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Farmers Bank & Trust

$100M-$1B Specialty: Agricultural KS FDIC cert 4621

Atwood, KS

4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits -6.4% year over year ($144.8M on the books).
  • Delinquency rate 0.75%.
  • Return on assets 1.43%.
  • Efficiency ratio 57.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.69% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

Farmers Bank & Trust has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.11% above tier average
  • + Efficiency Ratio 7.14% below tier average
  • + Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 5.6% in tier
  • - Deposit Outflow: Bottom 39.2% in tier
  • - Net Interest Margin 0.10% below tier average
Get updates when Farmers Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $159.0M
-4.0% YoY +0.6% QoQ
-$227.6M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
17%
Total Loans ? $92.2M
+13.0% YoY +12.0% QoQ
-$166.1M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $144.8M
-6.4% YoY -0.8% QoQ
-$181.9M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
20%
Return on Assets ? 1.43%
+27.9% YoY +22.5% QoQ
+0.11% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
61%
Net Interest Margin ? 3.88%
+29.2% YoY +4.3% QoQ
-0.10% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 57.34%
+2.0% YoY -2.9% QoQ
-7.14% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 0.75%
-41.6% YoY -46.6% QoQ
-0.16% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 63.69%
+20.7% YoY +12.8% QoQ
-14.26% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
78%
Non-Interest-Bearing Deposit Share ? 14.79%
+13.6% YoY -10.7% QoQ
-7.24% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 0.44%
-31.2% YoY -40.6% QoQ
-0.23% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
42%
Tier 1 Capital Ratio ? 10.58%
-29.6% YoY +12.1% QoQ
-5.33% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.14%
-5.8% YoY +96.2% QoQ
-0.42% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
31%

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 14.8%
+1.8pp YoY
-1.8pp QoQ
 -7.4pp 22.1% 22.3% 22.2% 23%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 24.6%
+5.2pp YoY
-0.1pp QoQ
 +13.0pp 11.6% 12.6% 12.5% 93%
CRE n/a n/a 39.5% 28.8% 41.4% n/a
1-4 Family 10.5%
+1.2pp YoY
-0.8pp QoQ
 -22.1pp 32.6% 26.7% 31.3% 12%
Consumer 3.3%
-0.7pp YoY
-1.2pp QoQ
 -0.8pp 4.1% 4.6% 5.0% 63%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 10.6%
+1.9pp YoY
+1.1pp QoQ
 -1.6pp 12.2% 12.6% 12.6% 43%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 23
+3 (+15.0%) YoY
0 QoQ
 -36 58 70 482 15%
Assets per Employee ($) $6.9M
-16.6% YoY
+0.6% QoQ
 -$605K $7.5M $7.1M $8.8M 51%
Branch Count 4
0 YoY
0 QoQ
 -1 4 6 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.8%
-0.5pp YoY
-0.6pp QoQ
 -0.2pp 0.9% 0.8% 1.0% 64%
Allowance Coverage 1.47x
+76.5% YoY
+76.0% QoQ
 -22.68x 24.15x 22.44x 20.23x 39%
Net Charge-off Rate (YTD) 2.9%
-2.7pp QoQ
 +2.7pp 0.1% 0.1% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 19.0%
-0.5pp YoY
+2.5pp QoQ
 +6.8pp 12.2% 14.3% 11.6% 85%
Cost of Funds (YTD) 1.3%
-0.6pp YoY
-0.1pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 25%
Net Income ($, YTD) $1.2M
+19.3% YoY
— QoQ
 -$1.4M $2.6M $3.7M $40.4M 32%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#38 of 661 • Bottom 5.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.58%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Outflow

decline
#211 of 535 • Bottom 39.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

580
Loan-to-Deposit Ratio
liquidity
Value: 63.69%
Peer Median: 77.95%
#580 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (5 metrics)

2229
Total Loans
size
Value: $92.23M
Peer Median: $258.35M
#2229 of 2643 Bottom 15.7% in $100M-$1B
2202
Total Assets
size
Value: $159.00M
Peer Median: $386.57M
#2202 of 2643 Bottom 16.7% in $100M-$1B
2171
Tier 1 Capital Ratio
capital
Value: 10.58%
Peer Median: 15.91%
#2171 of 2643 Bottom 17.9% in $100M-$1B
2122
Total Deposits
size
Value: $144.80M
Peer Median: $326.73M
#2122 of 2643 Bottom 19.8% in $100M-$1B
2023
Non-Interest-Bearing Deposit Share
funding
Value: 14.79%
Peer Median: 22.03%
#2023 of 2643 Bottom 23.5% in $100M-$1B
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