BlastPoint's Banking Scorecard
Farmers Bank & Trust
Designations: ✓ Community bank
Great Bend, KS
9 branches across KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
- Deposits -0.2% year over year ($699.1M on the books).
- Delinquency rate 0.19%.
- Return on assets 2.56%.
- Efficiency ratio 45.20% vs a 59.73% peer average.
- Loan-to-deposit ratio 71.27% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers Bank & Trust has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 8.6% in tier
- + Revenue Diversifier: Top 27.9% in tier
- + Efficiency Ratio 14.53% below tier average
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 33.7% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+6.1% YoY
+0.5% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 5.2% in tier |
| Total Loans ? |
$498.3M
+6.7% YoY
-4.7% QoQ
|
-$1.5B |
$2.0B
-0.3% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.7% in tier |
| Total Deposits ? |
$699.1M
-0.2% YoY
-3.1% QoQ
|
-$1.6B |
$2.3B
-0.5% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.8% in tier |
| Return on Assets ? |
2.56%
+23.4% YoY
-9.0% QoQ
|
+1.17% |
1.39%
+17.0% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Top 3.4% in tier |
| Net Interest Margin ? |
3.87%
+4.7% YoY
+0.5% QoQ
|
+0.00% |
3.87%
+6.2% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
45.20%
-10.0% YoY
+5.4% QoQ
|
-14.53% |
59.73%
-12.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 11.9% in tier |
| Delinquency Rate ? |
0.19%
-65.9% YoY
-42.7% QoQ
|
-0.68% |
0.87%
+11.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
71.27%
+6.9% YoY
-1.7% QoQ
|
-13.76% |
85.04%
-0.1% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
22.79%
+14.9% YoY
-1.3% QoQ
|
+1.52% |
21.27%
-1.5% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.15%
-60.0% YoY
-44.8% QoQ
|
-0.52% |
0.67%
+11.7% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
24.28%
+0.2% YoY
+0.1% QoQ
|
+9.43% |
14.84%
-0.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Top 4.5% in tier |
| Non-Interest Income / Assets ? |
0.60%
+32.8% YoY
+60.7% QoQ
|
+0.08% |
0.53%
+2.5% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Top 13.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.8%
+3.0pp YoY -0.3pp QoQ |
+1.4pp | 21.4% | 22.3% | 22.2% | 63% |
| Brokered Deposits |
13.7%
-3.7pp YoY -1.8pp QoQ |
+4.2pp | 9.5% | 8.7% | 8.5% | 79% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.2%
-1.1pp YoY +0.2pp QoQ |
-10.8pp | 14.0% | 12.6% | 12.5% | 10% |
| CRE |
44.6%
0.0pp YoY +4.2pp QoQ |
-5.4pp | 50.0% | 28.8% | 41.4% | 35% |
| 1-4 Family |
25.4%
+3.4pp YoY -3.9pp QoQ |
-1.0pp | 26.4% | 26.7% | 31.3% | 56% |
| Consumer |
1.5%
+1.0pp YoY +0.2pp QoQ |
-3.2pp | 4.7% | 4.6% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
24.3%
0.0pp YoY 0.0pp QoQ |
+8.7pp | 15.6% | 23.3% | 19.7% | 95% |
| Leverage Ratio |
24.0%
+0.9pp YoY -0.1pp QoQ |
+12.7pp | 11.3% | 12.6% | 12.6% | 99% |
| Total Capital Ratio |
24.9%
0.0pp YoY 0.0pp QoQ |
+8.2pp | 16.7% | 24.4% | 20.8% | 95% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
135
0 YoY +2 (+1.5%) QoQ |
-179 | 313 | 70 | 482 | 18% |
| Assets per Employee ($) |
$7.8M
+6.1% YoY -1.0% QoQ |
-$2.7M | $10.5M | $7.1M | $8.8M | 37% |
| Branch Count |
9
0 YoY 0 QoQ |
-11 | 20 | 6 | 18 | 25% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.4pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 48% |
| Nonaccrual |
0.2%
0.0pp YoY -0.1pp QoQ |
-0.6pp | 0.8% | 0.8% | 1.0% | 21% |
| Allowance Coverage |
6.00x
+185.6% YoY +82.9% QoQ |
-12.71x | 18.71x | 22.44x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.3%
+1.5pp YoY -1.2pp QoQ |
-1.3pp | 12.6% | 14.3% | 11.6% | 43% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.6% | 1.7% | 38% |
| Net Income ($, YTD) |
$13.3M
+29.7% YoY — QoQ |
-$5.9M | $19.2M | $3.7M | $40.4M | 54% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.