Farmers Bank & Trust (Great Bend, KS)
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Data as of · sourced from FFIEC call reports. How we update
Farmers Bank & Trust is an FDIC-insured commercial bank headquartered in Great Bend, KS, established in 1907 (FDIC certificate 17614), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.05B, up 6.1% from Q2 2025, the 18th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 24.28% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17614
- Headquarters
- Great Bend, KS
- Established
- 1907
- Total assets, Q2 2026
- $1.05B
- Assets vs Q2 2025
- +6.1%
- CET1 ratio, Q2 2026
- 24.28%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 101107080
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Bank & Trust call report
- Holding company
- FARMERS ENTERPRISES, INC.
- Asset rank in state
- 18th of 182 in Kansas
Farmers Bank & Trust is one of the more profitable banks of its size. The Great Bend, Kansas bank had $1.1 billion in assets at June 30, 2026, up 6.1% from a year earlier. It earns about $2.32 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also holds common equity equal to 24.28% of its risk-weighted assets, higher than about 9 in 10 banks its size (median 13.52%). Much of that comes from cost control: it spends about 44 cents to bring in each dollar of revenue.
Loans and deposits moved in opposite directions: over the year loans rose 6.7% and deposits fell 0.2%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.19% of loans from 0.54%.
As of June 30, 2026, Farmers Bank & Trust reported a CET1 capital ratio of 24.28%, a return on assets of 2.32%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 0.56%. The figures come from its call report filed with the FFIEC.
Farmers Bank & Trust ranks as the 18th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $1.05B, loans fell 4.7% and deposits fell 3.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 25.1% of total loans, followed by non-owner-occupied commercial real estate loans at 18.6%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities in KS; its Great Bend 2 offices book 52% of its branch deposits. Judged on its Q2 2026 call report, Farmers Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1017 Harrison St, Great Bend, KS 67530
- County
- Barton
- Metro Area
- Great Bend, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 1, 1907
- Former names
- Farmers Bank & Trust, National Association (1982-2013); The Farmers State Bank, Albert, Kansas (1976-1982)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 135
- Domestic deposits
- $699.1M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $1.04B
- Average total loans
- $498.4M
- Average interest-bearing deposits
- $560.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 7, 1956
- FDIC Cert
- 17614
- Fed RSSD
- 482156
- Website
- www.farmersbankks.com →
- Parent Holding Company
- FARMERS ENTERPRISES, INC. (RSSD 1055155)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Farmers Bank & Trust's total assets ran between $985.2M (Q4 2023) and $1.06B (Q2 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.05B total assets against $993.3M; $811.4M total liabilities against $781.6M.
$498.3M net loans and leases against $467.0M; $699.1M total deposits against $700.4M.
$489.7M securities against $463.4M; $9.2M cash and balances due against $8.2M.
$13.9M total interest income against $13.4M; $4.3M total interest expense against $4.6M.
$9.6M net interest income against $8.8M.
$2.4M total noninterest income against $2.3M; $5.7M total noninterest expense against $5.6M.
-$4K provision for credit losses against -$21K.
$6.1M net income against $5.3M.
2.32% return on assets against 2.12%; 4.17% net interest margin against 3.96%.
24.28% CET1 capital ratio against 24.24%; 23.97% tier 1 leverage ratio against 23.06%.
Inside the full Farmers Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers Bank & Trust rankings
Its closest position to the top of a national ranking is 234 of 3,611, for ROA; its furthest is 2,922 of 3,640, for Texas Ratio.
Metric pages for Farmers Bank & Trust: ROA, CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.80% (Q3 2024) to 2.85% (Q1 2026) and its net interest margin ran from 3.45% (Q3 2024) to 4.17% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.28% | 2.32% | 0.19% | 0.56% | 4.17% |
| Q1 2026 | 24.24% | 2.85% | 0.33% | 1.11% | 4.15% |
| Q4 2025 | 24.05% | 2.17% | 0.24% | 0.92% | 4.06% |
| Q3 2025 | 23.94% | 2.33% | 0.02% | 0.44% | 3.99% |
| Q2 2025 | 24.24% | 2.12% | 0.55% | 1.62% | 3.96% |
| Q1 2025 | 24.06% | 2.01% | 0.28% | 1.05% | 3.86% |
| Q4 2024 | 24.41% | 2.23% | 0.11% | 0.69% | 3.63% |
| Q3 2024 | 23.83% | 1.80% | 0.14% | 0.90% | 3.45% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers Bank & Trust (main office) | Great Bend , KS | 67530 | $354.1M |
| Overland Park Branch | Overland Park , KS | 66223 | $111.6M |
| Main Street Branch | La Crosse , KS | 67548 | $63.8M |
| Larned Branch | Larned , KS | 67550 | $59.7M |
| Kinsley Branch | Kinsley , KS | 67547 | $47.4M |
| Albert Branch | Albert , KS | 67511 | $26.4M |
| Bazine Branch | Bazine , KS | 67516 | $21.0M |
| Great Bend Branch | Great Bend , KS | 67530 | $8.3M |
| Cedar Lake Village Branch | Olathe , KS | 66061 | $6.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 21, 2011 | Structure Change | Acquired Capwest Mortgage Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 11, 2010 | Structure Change | Acquired First National Bank & Trust Company in Larned Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 10, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 28, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 2, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1996 | Structure Change | Acquired The Kinsley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 13, 1990 | Structure Change | Acquired The Bazine State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 12, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 26, 1986 | Structure Change | Acquired Home State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 25, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 11, 2008, OCC: Formal Agreement: Farmers Bank & Trust, National Association
- Period: Most recent institution action September 11, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in KS, rank 35 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,569 applications, 1,100 loans originated, $537.4M originated, across 49 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $866K approved, $216K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers Bank & Trust
What are Farmers Bank & Trust's total assets?
As of the Q2 2026 filing, Farmers Bank & Trust reported total assets of $1.05 billion in its FFIEC call report.
Where is Farmers Bank & Trust headquartered?
It is headquartered in Great Bend, KS, United States.
When was Farmers Bank & Trust founded?
It was established in 1907, per the FDIC institution directory.
Is Farmers Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Bank & Trust?
Farmers Bank & Trust's primary federal regulator is the FDIC.
What is Farmers Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.28% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers Bank & Trust operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Farmers Bank & Trust previously called?
The charter now named Farmers Bank & Trust has also operated as Farmers Bank & Trust, National Association (1982-2013), The Farmers State Bank, Albert, Kansas (1976-1982), per FDIC structure-change records.
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