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
Unfavorable gap of $3.1M · efficiency ratio beats 57% 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% | 1.24% | 1.54% | Beats 44% | 55 / 98 | |
| Return on Equity | 13.90% | 8.85% | 11.58% | 14.73% | Beats 72% | 27 / 98 | |
| Net Interest Margin | 3.63% | 3.24% | 3.62% | 3.91% | Beats 51% | 48 / 98 | |
| Efficiency Ratio | 57.34% | 51.87% | 58.88% | 64.74% | Beats 57% | 43 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.01% | 0.33% | 1.05% | Beats 31% | 69 / 98 | |
| Net Charge-Offs / Loans | 1.36% | n/a | 0.00% | 0.03% | Beats 1% | 98 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 10.58% | 11.81% | 13.71% | 17.33% | Beats 14% | 84 / 98 | |
| Total Risk-Based Capital Ratio | 10.58% | 11.81% | 14.13% | 17.45% | Beats 13% | 85 / 98 | |
| Equity / Assets | 8.46% | 8.60% | 11.34% | 13.10% | Beats 21% | 77 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 64.40% | 57.09% | 69.84% | 82.47% | 40th pctl | 59 / 98 | |
| Loans / Assets | 58.65% | 49.34% | 58.31% | 68.94% | 52nd pctl | 47 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |