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Farmers Bank & Trust

Great Bend, KS · Cert 17614 · Farmers Enterprises Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

96

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers Bank & Trust

Great Bend, KS · Cert 17614 · Farmers Enterprises Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.1BAssets
$503.9MLoans
$699.1MDeposits
$242.5MEquity
Loan mix
95%RE $427.2M4%C&I $15.8M2%Consumer $7.0MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $539.8M23%Noninterest $159.3MQ2 2025Q2 2026

NIM

4.89%Q2 ’245.19%Q2 ’255.25%Q2 ’26+17%+6%

Non-interest income vs. expense

1.90%Q2 ’242.17%Q2 ’252.19%Q2 ’26+7%-23%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #68 of 114 inst. · $0.1B of $99.1B

33.4% Barton
0.4% Johnson
45.6% Rush
31.2% Pawnee

Executive Summary

  • Earnings: ROA of 2.09%, up 39 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.19% of loans (-36 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 23.97%, up 91 bps from a year ago.
  • Funding: loans stand at 72.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.09%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+22 bps YoY

Efficiency Ratio (YTD, annualized)

45.20%-504 bps YoY

Tier 1 Leverage Ratio

23.97%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.77%1.79%2.30%2.09%+39 bps
Return on Equity8.02%8.34%8.33%10.22%9.21%+119 bps
Net Interest Margin3.42%3.38%3.41%3.67%3.63%+22 bps
Efficiency Ratio50.24%48.45%48.20%42.89%45.20%-504 bps
Non-Interest Burden1.27%1.19%1.16%0.69%0.97%-30 bps
Growth
Asset Growth (YoY)-6.38%-0.47%3.49%5.70%6.10%+1,248 bps
Loan Growth (YoY)-0.34%7.34%9.73%9.48%6.66%+699 bps
Deposit Growth (YoY)-8.23%-5.49%-6.04%1.66%-0.18%+805 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.02%0.24%0.33%0.19%-36 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%-0.01%0.00%0 bps
Allowance / Loans1.15%1.08%1.09%1.07%1.12%-3 bps
Allowance Coverage of NPLs2.1x69.7x4.5x3.3x6.0x+3.9x
Capital
Tier 1 Leverage Ratio23.06%22.74%22.86%24.11%23.97%+91 bps
Total Risk-Based Capital24.83%24.52%24.65%24.84%24.86%+3 bps
Equity / Assets21.31%21.64%22.67%22.32%23.01%+170 bps
Liquidity & Funding
Loans / Deposits67.46%68.77%73.95%73.28%72.08%+462 bps
Liquid Assets / Assets0.08%0.02%0.02%0.09%0.20%+12 bps
CRE / Total Capitaln/a92.84%91.32%85.66%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers Bank & Trust

Great Bend, KS · Cert 17614 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Farmers Enterprises Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.1BAssets
$503.9MLoans
$699.1MDeposits
$242.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 98% of banks $1B-$10B in assets operating in a single state (rank 4 of 258).
  • Widest gap: return on equity trails 77% of banks $1B-$10B in assets operating in a single state (rank 199 of 258).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.06%

Rank 16 of 258

Net Interest Margin

3.63%

Rank 102 of 258

Efficiency Ratio

45.20%

Rank 26 of 257

Equity / Assets

23.01%

Rank 4 of 258

Non-interest income vs. expense

$12.7M$22.9MINCOMEEXPENSE
Unfavorable gap of $10.2M · efficiency ratio beats 90% of banks $1B-$10B in assets operating in a single state
Bank 45.20%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.06%0.93%1.23%1.54%Beats 94%16 / 258
Return on Equity8.96%9.26%11.84%14.74%Beats 23%199 / 258
Net Interest Margin3.63%3.16%3.49%3.88%Beats 60%102 / 258
Efficiency Ratio45.20%51.71%60.30%69.65%Beats 90%26 / 257
Asset Quality
Nonperforming Loans / Loans0.19%0.19%0.46%0.90%Beats 76%62 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 80%53 / 258
Capital
Tier 1 Capital Ratio24.28%11.41%12.98%15.12%Beats 95%13 / 258
Total Risk-Based Capital Ratio24.86%12.10%13.91%16.08%Beats 95%13 / 258
Equity / Assets23.01%9.09%10.24%11.72%Beats 98%4 / 258
Liquidity & Funding
Loans / Deposits72.08%73.24%86.34%95.95%21st pctl203 / 258
Loans / Assets47.81%63.01%72.27%78.40%5th pctl244 / 258
Brokered Deposits / Depositsn/aNot reported for this institution