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Farmers Bank & Trust

Atwood, KS · Cert 4621 · Rawlins Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

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 under $1B in assets in KS (n=98). 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

16

Q2 2024Q2 2026peer median (50)

Asset Quality

16

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

57

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

Atwood, KS · Cert 4621 · Rawlins Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$159.0MAssets
$93.3MLoans
$144.8MDeposits
$13.4MEquity
Loan mix
61%RE $37.7M33%C&I $20.4M6%Consumer $3.7MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $123.4M15%Noninterest $21.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.16%, up 26 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.75% of loans (-53 bps YoY), with net charge-offs at 2.72%.
  • Capital: tier 1 leverage ratio of 10.58%, up 191 bps from a year ago.
  • Funding: loans stand at 64.40% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.16%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+81 bps YoY

Efficiency Ratio (YTD, annualized)

57.34%+114 bps YoY

Tier 1 Leverage Ratio

10.58%+191 bps YoY

NIM

4.36%Q2 ’244.61%Q2 ’254.86%Q2 ’26+9%+29%

Non-interest income vs. expense

1.96%Q2 ’241.74%Q2 ’252.24%Q2 ’26-13%+35%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.82%1.06%0.90%0.41%0.52%0.95%1.16%+26 bps
Return on Equity13.54%14.03%19.35%15.70%6.95%8.45%13.41%15.37%-33 bps
Net Interest Margin2.57%2.36%2.78%2.82%3.14%3.22%3.42%3.63%+81 bps
Efficiency Ratio70.17%69.18%54.95%56.20%55.06%54.48%59.05%57.34%+114 bps
Non-Interest Burden1.72%1.56%1.39%1.46%1.60%1.63%1.91%1.96%+50 bps
Growth
Asset Growth (YoY)-1.13%20.13%14.22%10.75%9.49%-9.55%-6.21%-4.04%-1,479 bps
Loan Growth (YoY)6.80%13.94%20.20%14.92%13.34%12.46%5.27%13.06%-185 bps
Deposit Growth (YoY)0.30%21.15%14.19%14.91%12.93%-11.25%-7.60%-6.36%-2,128 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%1.28%0.48%0.53%1.40%0.75%-53 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%5.76%2.72%+272 bps
Allowance / Loans1.09%1.05%1.09%1.07%2.49%2.41%1.17%1.10%+3 bps
Allowance Coverage of NPLsn/an/an/a0.8x5.2x4.5x0.8x1.5x+0.6x
Capital
Tier 1 Leverage Ratio9.70%8.98%8.51%8.67%8.81%9.05%9.43%10.58%+191 bps
Total Risk-Based Capital9.70%8.98%8.51%15.94%15.69%9.05%9.43%10.58%-536 bps
Equity / Assets7.00%5.12%5.87%6.24%6.66%6.90%7.24%8.46%+221 bps
Liquidity & Funding
Loans / Deposits54.31%44.77%50.13%53.33%54.51%56.73%57.11%64.40%+1,107 bps
Liquid Assets / Assets7.60%5.96%6.56%6.40%3.95%3.55%2.99%3.14%-326 bps
CRE / Total Capitaln/an/an/an/a23.73%22.80%21.13%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

Atwood, KS · Cert 4621 · Peer group: banks under $1B in assets in KS (n=98) · Rawlins Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$159.0MAssets
$93.3MLoans
$144.8MDeposits
$13.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 72% of banks under $1B in assets in KS (rank 27 of 98).
  • Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in KS (rank 98 of 98).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.18%

Rank 55 of 98

Net Interest Margin

3.63%

Rank 48 of 98

Efficiency Ratio

57.34%

Rank 43 of 98

Equity / Assets

8.46%

Rank 77 of 98

Non-interest income vs. expense

$0.5M$3.6MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 57% of banks under $1B in assets in KS
Bank 57.34%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.18%1.03%1.24%1.54%Beats 44%55 / 98
Return on Equity13.90%8.85%11.58%14.73%Beats 72%27 / 98
Net Interest Margin3.63%3.24%3.62%3.91%Beats 51%48 / 98
Efficiency Ratio57.34%51.87%58.88%64.74%Beats 57%43 / 98
Asset Quality
Nonperforming Loans / Loans0.75%0.01%0.33%1.05%Beats 31%69 / 98
Net Charge-Offs / Loans1.36%n/a0.00%0.03%Beats 1%98 / 98
Capital
Tier 1 Capital Ratio10.58%11.81%13.71%17.33%Beats 14%84 / 98
Total Risk-Based Capital Ratio10.58%11.81%14.13%17.45%Beats 13%85 / 98
Equity / Assets8.46%8.60%11.34%13.10%Beats 21%77 / 98
Liquidity & Funding
Loans / Deposits64.40%57.09%69.84%82.47%40th pctl59 / 98
Loans / Assets58.65%49.34%58.31%68.94%52nd pctl47 / 98
Brokered Deposits / Depositsn/aNot reported for this institution