Applications / Mortgage Analytics / Lenders / Kansas / Farmers State Bank
Wathena, KS · State non-member bank · FDIC · $81.0 million assets · 27 loans in 2025
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27
loans originated, 2025
37
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers State Bank, a small bank in Wathena, Kansas, made 27 home loans in 2025, down from 35, in a year when the whole market grew 10%.
Its originations fell 23%. Similar lenders, state non-member banks making between half and twice as many loans, fell 4% at the middle of the group. It made fewer loans than about three in four of them. At this size a handful of loans decides the direction, so one weak year says little about the bank's course.
The bank first reported in 2004. In the years it filed, its count has stayed between 27 and 35 loans. It filed no report for 2020, 2021 or 2022; small banks need not report every year, so those are gaps in the record, not years without lending.
St. Joseph is its largest market. There it ranked 32 of 186 lenders, with 0.7% of the dollars lent, down from 0.9%. Fairway Independent Mortgage led, and The Nodaway Valley Bank ranked fourth. With so few loans, a couple more or fewer can move its share either way.
Its lending stays within 2 counties in 2 states. The loans are too few to read much into who borrowed, what kind of loans they took or what they paid.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Farmers State Bank took 37 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.4% · Refinance 33.3% · Home improvement 11.1% · Other 11.1%
Conventional 100.0% · of 27 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 25 | 92.6% |
| Missouri | 2 | 7.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Joseph | 27 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BIN8FZ4Z1IX347 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 72351 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316941 | 2004–2017 |
Established 3 May 1903. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Farmers State Bank's data.
Farmers State Bank's data
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