BlastPoint's Banking Scorecard
Farmers Bank & Trust
Atwood, KS
4 branches across KS
Farmers Bank & Trust has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.24% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 0.3% in tier
- - ROA 0.10% below tier average
- - Net Interest Margin 0.21% below tier average
- - Delinquency Rate 0.53% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$158.1M
-6.2% YoY
-5.8% QoQ
|
-$228.0M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$82.4M
+5.2% YoY
-4.4% QoQ
|
-$173.4M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.2% in tier |
| Total Deposits ? |
$145.9M
-7.6% YoY
-6.3% QoQ
|
-$182.1M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
1.17%
-11.9% YoY
+85.0% QoQ
|
-0.10% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
3.72%
+28.0% YoY
+11.8% QoQ
|
-0.21% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
59.05%
+7.5% YoY
+8.4% QoQ
|
-6.24% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
1.41%
+158.8% QoQ
|
+0.53% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
56.44%
+13.8% YoY
+2.0% QoQ
|
-20.19% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 14.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.55%
+25.6% YoY
-0.5% QoQ
|
-5.47% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.74%
+162.6% QoQ
|
+0.10% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
9.43%
+10.8% YoY
+4.3% QoQ
|
-6.40% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.9% in tier |
| Non-Interest Income / Assets ? |
0.07%
-8.6% YoY
-73.5% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
33% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.