Question 1

What is Farmers State Bank of Westmoreland?

Accepted Answer

Farmers State Bank of Westmoreland is a locally owned and operated community bank specializing in agricultural and rural banking services. With over 125 years of community banking experience, the bank serves Pottawatomie County and the Manhattan metropolitan area in Kansas. As of 2022, the bank manages approximately $234.6 million in total assets and operates three full-service branches across northeastern Kansas.

The bank maintains a strong focus on personalized service and deep community roots, positioning itself as a relationship-focused alternative to larger regional and national banks.

Question 2

When was Farmers State Bank of Westmoreland founded?

Accepted Answer

Farmers State Bank of Westmoreland officially opened its doors on April 9, 1898, with a capital stock of $20,000. The bank was founded by a group of local farmers and businessmen to serve the agricultural community of Westmoreland, Kansas.

Charles Zabel served as the first bank president, with J.F. O'Daniel as vice president. O'Daniel made the first deposit with the bank and later became president in 1908. The original bank was located in a large stone building at 320 Main Street in Westmoreland.

Throughout its history, the bank has been shaped by three generations of the Moore family, beginning with Chris H. Moore in 1926, followed by Edward C. Moore in 1970, and James E. Moore in 1996. James E. Moore retired in December 2023 after serving 27 years as president, and Jordan Lauer became president in January 2024.

Question 3

Where is Farmers State Bank of Westmoreland headquartered?

Accepted Answer

The bank is headquartered in Westmoreland, Kansas, located in Pottawatomie County. The headquarters is housed in the former Citizens State Bank of Westmoreland building, which the bank moved into during the 1920s.

This location has been significantly expanded over the years, with major renovations in 2004, 2018, and 2019 to modernize facilities and accommodate growing operations.

Question 4

Where does Farmers State Bank of Westmoreland operate?

Accepted Answer

Farmers State Bank of Westmoreland operates three branches across northeastern Kansas:

Westmoreland (headquarters) - The original location in Pottawatomie County, serving the rural communities and agricultural operations in the area.

Manhattan - Opened in November 2003 along Highway 24, this branch serves the Manhattan metropolitan area, home to Kansas State University. The branch expanded in 2015 to add more space for loan officers and storage.

Onaga - Acquired in November 2014 through the purchase of Morrill & Janes Bank & Trust, this historic building underwent extensive remodeling in 2015 to integrate it into the Farmers State Bank network.

The bank also maintains multiple ATM locations throughout its service area, including installations at Rock Creek High School and Community Healthcare System in Onaga.

Question 5

What services does Farmers State Bank of Westmoreland offer?

Accepted Answer

Farmers State Bank provides a comprehensive range of personal and business banking services:

Deposit Accounts: Checking accounts, savings accounts, IRAs, money market accounts, and specialty accounts like Holiday Club accounts for seasonal savings.

Lending Services: The bank specializes in agricultural lending for farming operations, alongside consumer loans, real estate mortgages, and business lending for commercial enterprises.

Digital Banking: Internet banking has been available since 2002, with mobile banking ("Mobile Money" app) implemented in 2012. The platform allows customers to check balances, transfer funds, and set travel notifications directly from their mobile devices.

Traditional Services: Drive-thru banking, ATM services, check imaging (implemented in 2000), safe deposit boxes, and in-person banking at all three locations.

Question 6

What makes Farmers State Bank of Westmoreland unique?

Accepted Answer

Several distinctive characteristics set Farmers State Bank apart:

Agricultural Specialization: The bank has maintained its focus on serving farmers and agricultural operations for over 125 years, with experienced agricultural lenders who understand the unique financial needs of farming communities.

Generational Family Leadership: The bank was shaped by three generations of the Moore family spanning nearly a century (1926-2023), creating continuity and deep local knowledge that few institutions can match.

Historic Resilience: The bank successfully weathered the Great Depression, the 1923 robbery, and numerous economic challenges. It received FDIC insurance on May 24, 1935, and has never caused depositors to lose money.

Community Integration: With ATMs installed at local schools and healthcare facilities, plus an active social media presence established in 2019, the bank demonstrates strong community engagement beyond traditional banking.

Local Ownership: Farmers State Bank remains locally owned and operated, allowing for personalized decision-making and relationship banking that reflects the values of the communities it serves.

Question 7

What type of financial institution is Farmers State Bank of Westmoreland?

Accepted Answer

Farmers State Bank of Westmoreland is a State-Chartered Commercial Bank operating under Kansas state banking regulations. The bank is supervised by the FDIC and is not a member of the Federal Reserve System.

As a community bank with agricultural specialization, it focuses on relationship-based banking for individuals, families, and businesses in rural and small-city markets. This classification allows the bank to maintain its local character while providing full-service commercial banking capabilities including deposit-taking, lending, and wealth management services tailored to agricultural and rural communities.

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