Great Bend, KS · Cert 17614 · Farmers Enterprises Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #68 of 114 inst. · $0.1B of $99.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.75% | 1.94% | 1.81% | 2.30% | 1.88% | +12 bps | |
| Return on Equity | 8.24% | 9.05% | 8.19% | 10.22% | 8.27% | +4 bps | |
| Net Interest Margin | 3.49% | 3.52% | 3.58% | 3.67% | 3.67% | +18 bps | |
| Efficiency Ratio | 50.31% | 45.03% | 47.54% | 42.89% | 47.75% | -255 bps | |
| Non-Interest Burden | 1.30% | 1.10% | 1.12% | 0.69% | 1.27% | -3 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 / Loans | 0.55% | 0.02% | 0.24% | 0.33% | 0.19% | -36 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.15% | 1.08% | 1.09% | 1.07% | 1.12% | -3 bps | |
| Allowance Coverage of NPLs | 2.1x | 69.7x | 4.5x | 3.3x | 6.0x | +3.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 23.06% | 22.74% | 22.86% | 24.11% | 23.97% | +91 bps | |
| Total Risk-Based Capital | 24.83% | 24.52% | 24.65% | 24.84% | 24.86% | +3 bps | |
| Equity / Assets | 21.31% | 21.64% | 22.67% | 22.32% | 23.01% | +170 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.46% | 68.77% | 73.95% | 73.28% | 72.08% | +462 bps | |
| Liquid Assets / Assets | 0.08% | 0.02% | 0.02% | 0.09% | 0.20% | +12 bps | |
| CRE / Total Capital | n/a | 92.84% | 91.32% | 85.66% | n/a | n/a | |