Farmers Bank & Trust
Atwood, KS · Cert 4621 · Peer group: banks under $1B in assets in KS (n=97) · 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 97).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in KS (rank 97 of 97).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.18%
Rank 54 of 97
Net Interest Margin
3.63%
Rank 47 of 97
Efficiency Ratio
57.34%
Rank 42 of 97
Equity / Assets
8.46%
Rank 76 of 97
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 58% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 1.03% | 1.23% | 1.54% | Beats 44% | 54 / 97 | |
| Return on Equity | 13.90% | 8.85% | 11.53% | 14.73% | Beats 72% | 27 / 97 | |
| Net Interest Margin | 3.63% | 3.24% | 3.62% | 3.91% | Beats 52% | 47 / 97 | |
| Efficiency Ratio | 57.34% | 52.19% | 58.88% | 64.74% | Beats 58% | 42 / 97 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.01% | 0.33% | 1.05% | Beats 31% | 68 / 97 | |
| Net Charge-Offs / Loans | 1.36% | n/a | 0.00% | 0.03% | Beats 1% | 97 / 97 | |
| Capital |
| Tier 1 Capital Ratio | 10.58% | 11.81% | 13.71% | 17.33% | Beats 14% | 83 / 97 | |
| Total Risk-Based Capital Ratio | 10.58% | 11.81% | 14.13% | 17.45% | Beats 13% | 84 / 97 | |
| Equity / Assets | 8.46% | 8.60% | 11.33% | 13.10% | Beats 22% | 76 / 97 | |
| Liquidity & Funding |
| Loans / Deposits | 64.40% | 57.09% | 69.84% | 82.47% | 40th pctl | 58 / 97 | |
| Loans / Assets | 58.65% | 49.34% | 58.25% | 68.94% | 52nd pctl | 47 / 97 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |