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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 $7.0MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $539.8M23%Noninterest $159.3MQ3 2024Q2 2026

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 1.88%, up 12 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.19% of loans (-36 bps YoY), with net charge-offs at 0.01%.
  • 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.

Return on Assets (quarter, annualized)

1.88%+12 bps YoY

Net Interest Margin (quarter, annualized)

3.67%+18 bps YoY

Efficiency Ratio (quarter, annualized)

47.75%-255 bps YoY

Tier 1 Leverage Ratio

23.97%+91 bps YoY

NIM

5.06%Q2 ’245.31%Q2 ’255.32%Q2 ’26+18%+5%

Non-interest income vs. expense

1.96%Q2 ’242.22%Q2 ’252.20%Q2 ’26+22%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.87%1.64%1.75%1.94%1.81%2.30%1.88%+12 bps
Return on Equity7.64%9.11%7.79%8.24%9.05%8.19%10.22%8.27%+4 bps
Net Interest Margin3.02%3.20%3.41%3.49%3.52%3.58%3.67%3.67%+18 bps
Efficiency Ratio51.10%49.44%50.17%50.31%45.03%47.54%42.89%47.75%-255 bps
Non-Interest Burden1.16%0.81%1.27%1.30%1.10%1.12%0.69%1.27%-3 bps
Growth
Asset Growth (YoY)3.18%0.08%-1.92%-6.38%-0.47%3.49%5.70%6.10%+1,248 bps
Loan Growth (YoY)14.34%16.63%13.30%-0.34%7.34%9.73%9.48%6.66%+699 bps
Deposit Growth (YoY)1.22%-1.62%-4.72%-8.23%-5.49%-6.04%1.66%-0.18%+805 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.11%0.28%0.55%0.02%0.24%0.33%0.19%-36 bps
Net Charge-Offs / Loans0.00%0.01%0.00%-0.01%-0.01%-0.01%-0.01%0.01%+1 bps
Allowance / Loans1.13%1.12%1.12%1.15%1.08%1.09%1.07%1.12%-3 bps
Allowance Coverage of NPLs8.0x9.7x4.0x2.1x69.7x4.5x3.3x6.0x+3.9x
Capital
Tier 1 Leverage Ratio20.82%21.20%23.00%23.06%22.74%22.86%24.11%23.97%+91 bps
Total Risk-Based Capital24.44%25.03%24.66%24.83%24.52%24.65%24.84%24.86%+3 bps
Equity / Assets20.32%20.79%21.27%21.31%21.64%22.67%22.32%23.01%+170 bps
Liquidity & Funding
Loans / Deposits60.55%63.32%68.05%67.46%68.77%73.95%73.28%72.08%+462 bps
Liquid Assets / Assets0.17%2.30%0.05%0.08%0.02%0.02%0.09%0.20%+12 bps
CRE / Total Capitaln/an/an/an/a92.84%91.32%85.66%n/an/a