FARMERS BANK & TRUST

ATWOOD, KS | Small | Est. Jan. 1, 1914, midnight | FDIC #4621 | RSSD #984351 | FDIC
Latest Report: 2025-12-31

FARMERS BANK & TRUST is asn small FDIC-insured commercial bank headquartered in ATWOOD, KS, established in Jan. 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $168M and total deposits of $156M. Profitability stands at 1.00% ROA and 14.75% ROE, with a net interest margin of 3.64%. The bank's CET1 capital ratio is 6.90%. Asset quality metrics show a non-performing loan ratio of 0.53% and a Texas Ratio of 3.44%. FDIC Certificate #4621.

Assets

$168M

Deposits

$156M

Loans

$88M

Equity

$12M

Profitability

Return on Assets (ROA) 1.00%
Return on Equity (ROE) 14.75%
Net Interest Margin (NIM) 3.64%
Yield on Assets 5.28%
Cost of Funds 1.62%

Asset Quality

NPL Ratio 0.53%
Net Charge-Off Ratio --
Texas Ratio 3.44%
NPA Ratio 0.28%
ACL / Loans 2.41%

Capital & Liquidity

CET1 Ratio 6.90%
Tier 1 Capital 6.90%
Total Capital Ratio 7.24%
Leverage Ratio 9.05%
Loan-to-Deposit 56.73%

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