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The Farmers State Bank

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The Farmers State Bank Rates & Review August 2026

Q: How many branches does The Farmers State Bank operate?

The Farmers State Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, The Farmers State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Farmers State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

The Farmers State Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not The Farmers State Bank, and you can see how they compare in the The Farmers State Bank rate tables below. MonitorBankRates evaluates the financial stability of The Farmers State Bank with a 3.7 Star Rating, an C- Overall Health Grade, and a Texas Ratio of 30.27%. Database rates last updated and verified on 08/29/2026.

The Farmers State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The Farmers State Bank? Share your experience about The Farmers State Bank by leaving a review below, or read customer reviews before you decide to use The Farmers State Bank.

Overall Health & Safety Grade

C-

Below Average Health Score: 72/100

MonitorBankRates Rating

3.7

Very Good Out of 5.0 Stars

Texas Ratio

30.27%

Fair Higher than avg

The Farmers State Bank

624 Main St
Dwight, KS 66849

Current Rate Availability

We're not currently displaying rates for The Farmers State Bank, but our database is updated constantly — check back soon for the latest offers.

Are you with The Farmers State Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for The Farmers State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather The Farmers State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with The Farmers State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The Farmers State Bank

FDIC Certificate # 17632

Address 624 Main St, Dwight, KS 66849 · Morris

Website N/A

Established 01/01/1921

FDIC Insurance Date 07/18/1956

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

C-

Overall Health Grade Score: 72/100

3.7

Very Good Out of 5.0 Stars

30.27%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.2045%

Return on Equity (ROE) 1.8800%

Non-Performing Loans (NPL) 2.85%

Total Assets $20,501,000

Total Deposits $18,429,000

Equity Capital $1,990,000

Net Income $9,000

Headquarters Dwight

Total Branches and Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About The Farmers State Bank

How many branches does The Farmers State Bank operate?

The Farmers State Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, The Farmers State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Farmers State Bank provides members with tools to manage their accounts and build a solid financial history.

Does The Farmers State Bank offer online and mobile banking?

Most modern institutions like The Farmers State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.