What are the current interest rates at Farmers State Bank Wathena, KS?

Current rates for Farmers State Bank Wathena, KS include: 12-Month CD: 0.35%, 18-Month CD: 0.45%, 24-Month CD: 0.50%, 36-Month CD: 0.60%, 48-Month CD: 0.70%, 60-Month CD: 0.80%, Savings: 0.10%, MMA: 0.20%

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Farmers State Bank Wathena, KS

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Farmers State Bank Wathena, KS Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers State Bank Wathena, KS 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: October 12, 2026

Farmers State Bank Wathena, KS's top rates as of October 12, 2026 are 0.80% APY on its 60-Months 60-Month Certificate of Deposit, 0.10% APY on savings, and 0.20% APY on money market accounts, according to rates verified by MonitorBankRates. Other Farmers State Bank Wathena, KS CD rates include 60-Months IRA Certificate - 60-Month at 0.80%, 48-Months 48-Month Certificate of Deposit at 0.70%, and 48-Months IRA Certificate - 48-Month at 0.70%. MonitorBankRates evaluates the financial stability of Farmers State Bank Wathena, KS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.33%. Rates last updated and verified on 10/12/2026.

Farmers State Bank Wathena, KS 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 Farmers State Bank Wathena, KS? Share your experience about Farmers State Bank Wathena, KS by leaving a review below, or read customer reviews before you decide to use Farmers State Bank Wathena, KS.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.33%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Farmers State Bank Wathena, KS

211 Saint Joseph St
Wathena, KS 66090

https://www.fsbwathena.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Farmers State Bank Wathena, KS CD Rates

Product	Rate	APY	Term
60 Month Certificate of Deposit	0.80%	0.80%	60 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
IRA Certificate - 60 Month	0.80%	0.80%	60 months
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
48 Month Certificate of Deposit	0.70%	0.70%	48 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
IRA Certificate - 48 Month	0.70%	0.70%	48 months
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
36 Month Certificate of Deposit	0.60%	0.60%	36 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
IRA Certificate - 36 Month	0.60%	0.60%	36 months
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
30 Month Certificate of Deposit	0.55%	0.55%	30 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
24 Month Certificate of Deposit	0.50%	0.50%	24 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
IRA Certificate - 24 Month	0.50%	0.50%	24 months
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
18 Month Certificate of Deposit	0.45%	0.45%	18 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
IRA Certificate - 18 Month	0.45%	0.45%	18 months
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
15 Month Certificate of Deposit	0.40%	0.40%	15 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
12 Month Certificate of Deposit	0.35%	0.35%	12 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
IRA Certificate - 12 Month	0.35%	0.35%	12 months
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
6 Month Certificate of Deposit	0.25%	0.25%	6 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
6 Month Certificate of Deposit	0.25%	0.25%	6 months
Min Deposit $25,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
3 Month Certificate of Deposit	0.20%	0.20%	3 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%

Farmers State Bank Wathena, KS Savings Rates

Product	Rate	APY
HEALTH SAVINGS ACCOUNT	0.10%	0.10%
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
Savings Account	0.10%	0.10%
Min Deposit $100 Details Interest Rate and APY may change after account is opened Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%

Farmers State Bank Wathena, KS Checking Rates

Product	Rate	APY
Money Market Checking	0.20%	0.20%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 & OVER Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
Money Market Checking	0.15%	0.15%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
Money Market Checking	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500-$24,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%

Farmers State Bank Wathena, KS Other Rates

Product	Rate	Points	APY/APR
NOW ACCOUNT	0.10%	-	0.10%
Min Deposit $750 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%
SUPER NOW ACCOUNT	0.10%	-	0.10%
Min Deposit $2,500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.33%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Farmers State Bank Wathena, KS’s Texas Ratio rose from 2.00% in Q3 2023 to 11.33% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 1.1 to 5.0 and its Health Grade from F to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$85M	11.33%	5.0	A
March 31, 2026	$87M	8.25%	5.0	A
December 31, 2025	$81M	8.96%	5.0	A
September 30, 2025	$77M	7.60%	5.0	A
June 30, 2025	$79M	0.09%	5.0	A+
March 31, 2025	$79M	0.11%	4.8	A+
December 31, 2024	$79M	0.00%	4.2	A-
September 30, 2024	$77M	0.03%	5.0	A+
June 30, 2024	$77M	0.06%	4.0	A-
March 31, 2024	$77M	0.11%	4.1	A-
December 31, 2023	$77M	0.84%	4.7	A
September 30, 2023	$71M	2.00%	1.1	F

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Farmers State Bank Wathena, KS 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 Farmers State Bank Wathena, KS 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 Farmers State Bank Wathena, KS's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Farmers State Bank Wathena, KS

Bank Holding Company WATHENA BANCSHARES INC

Address 211 Saint Joseph St, Wathena, KS 66090 · Doniphan

Website https://www.fsbwathena.com

FDIC Certificate # 16941

Established 19030503

FDIC Insurance Date 19501014

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.33%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3165%

Return on Equity (ROE) 15.6800%

Non-Performing Loans (NPL) 0.97%

Total Assets $84,686,000

Total Deposits $76,993,000

Equity Capital $7,265,000

Net Income $554,000

Headquarters Wathena

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Farmers State Bank Wathena, KS earned the Verified Healthy badge

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Frequently Asked Questions About Farmers State Bank Wathena, KS

How many branches does Farmers State Bank Wathena, KS operate?

Farmers State Bank Wathena, KS 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, Farmers State Bank Wathena, KS 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, Farmers State Bank Wathena, KS provides members with tools to manage their accounts and build a solid financial history.

Does Farmers State Bank Wathena, KS offer online and mobile banking?

Most modern institutions like Farmers State Bank Wathena, KS provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fsbwathena.com.