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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