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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