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Farmers Bank & Trust
Atwood, KS · FDIC Certificate #4621 · Chartered 01/0
Total assets
$159.00M
Total deposits
$144.80M
Total equity
$13.44M
Net loans
$92.23M
Branches (offices)
4
Net income (YTD)
$1.16M
Rank: #3,238 of 4,213 U.S. banks by assets · #113 of 183 in Kansas. Assets changed -4.0% and deposits -6.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.43% |
| Return on equity | 19.04% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 8.46% |
| Tier 1 leverage ratio | 10.58% |
| Uninsured deposits (share of deposits) | 24.8% |
| Noncurrent loans (share of loans) | 0.75% |
| Net charge-offs (share of loans) | 2.87% |
| Loans to deposits | 63.7% |
| Real estate loans (share of loans) | 42.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $39.56M | 42.9% | |
| Commercial & industrial | $22.68M | 24.6% | |
| Consumer / individual | $3.02M | 3.3% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $27.25M | 29.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $138.26M | $130.53M | $463.00K | $7.37M |
| Jun 2023 | $151.90M | $140.34M | $947.00K | $7.02M |
| Jun 2024 | $149.62M | $134.57M | $824.00K | $8.75M |
| Jun 2025 | $165.70M | $154.64M | $970.00K | $10.35M |
| Jun 2026 | $159.00M | $144.80M | $1.16M | $13.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $144.80M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $144.80M.
Similar-sized banks
Bank Of Monticello ($159.03M) · Brickyard Bank ($158.96M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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