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FIXnotes

FARMERS STB OF OAKLEY KANSAS

BANK

OAKLEY, KS · NM

Total Assets
$389M
Total Loans
$266M
3.4%
+2.5
FARMERS STB OF OAKLEY KANSAS in KS reported a Texas Ratio of 3.4% in Q1 2026, up +2.5pp from the prior quarter. Nonperforming assets rose to 0.60%, an increase of +0.45pp sequentially.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
Real estate (all)
Commercial real estate
Construction & land
FOUNDATION Multifamily Unlock to view
FOUNDATION Non-residential CRE Unlock to view
FOUNDATION Residential real estate Unlock to view
FOUNDATION Commercial & industrial Unlock to view
FOUNDATION Consumer Unlock to view
FOUNDATION Other loans Unlock to view
FOUNDATION 1-4 family — 1st lien Unlock to view
FOUNDATION 1-4 family — junior lien Unlock to view
FOUNDATION 1-4 family — HELOC Unlock to view
FOUNDATION Multifamily Unlock to view
FOUNDATION CRE — owner-occupied Unlock to view
FOUNDATION CRE — non-owner-occupied Unlock to view
FOUNDATION Construction — 1-4 family Unlock to view
FOUNDATION Construction — other Unlock to view
FOUNDATION Commercial & industrial Unlock to view
FOUNDATION Consumer Unlock to view
FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

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Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Kansas mortgage-note market & lender distress →

Recent acquisitions

Institutions FARMERS STB OF OAKLEY KANSAS absorbed since 2024 and the inherited portfolio's last-reported call-report figures. Why inherited portfolios matter

  • Small Business BankLenexa, KS · Jul 17, 2026 · Other closure
    Inherited NPL volume
    $3M
    Inherited NPL %
    4.81%
    Total loans inherited
    $62M
    Total assets inherited
    $73M
    YTD charge-offs (at close)
    $0
    Last filing
    Mar 31, 2026
  • Kaw Valley State BankEudora, KS · Sep 5, 2025 · Merger
    Inherited NPL volume
    $490K
    Inherited NPL %
    1.65%
    Total loans inherited
    $30M
    Total assets inherited
    $72M
    YTD charge-offs (at close)
    $5K
    Last filing
    Jun 30, 2025