Farmers Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 4.42 percentage points in Q2 2026, from 79.02% to 83.44%. It was the largest change from Q1 2026 among the key lines here. Among 182 Kansas banks, Farmers Bank & Trust sits 14th from the top on return on assets, 2.32% as of Q2 2026. Farmers Bank & Trust's return on assets of 2.32% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 1.04 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.28% |
| Tier 1 risk-based capital ratio | 24.28% |
| Total risk-based capital ratio | 24.86% |
| Tier 1 leverage ratio | 23.97% |
| Equity capital to assets | 23.01% |
| Tangible equity to tangible assets | 22.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.34% |
| Non-performing assets ratio | 0.68% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.97% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 83.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.32% |
| Return on equity | 10.16% |
| Net interest margin | 4.17% |
| Efficiency ratio | 44.38% |
| Yield on earning assets | 5.87% |
| Cost of funds | 2.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.08% |
| Core deposits to total deposits | 76.95% |
| Brokered deposits to total deposits | 13.67% |
| Deposits to assets | 66.33% |
| Securities to assets | 46.46% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 25.58% | 25.58% | 26.20% | 20.04% | 1.58% |
| Q4 2023 | 26.28% | 26.28% | 26.91% | 20.49% | 1.46% |
| Q1 2024 | 25.76% | 25.76% | 26.38% | 21.48% | 1.50% |
| Q2 2024 | 23.80% | 23.80% | 24.42% | 20.76% | 1.69% |
| Q3 2024 | 23.83% | 23.83% | 24.44% | 20.82% | 1.80% |
| Q4 2024 | 24.41% | 24.41% | 25.03% | 21.20% | 2.23% |
| Q1 2025 | 24.06% | 24.06% | 24.66% | 23.00% | 2.01% |
| Q2 2025 | 24.24% | 24.24% | 24.83% | 23.06% | 2.12% |
| Q3 2025 | 23.94% | 23.94% | 24.52% | 22.74% | 2.33% |
| Q4 2025 | 24.05% | 24.05% | 24.65% | 22.86% | 2.17% |
| Q1 2026 | 24.24% | 24.24% | 24.84% | 24.11% | 2.85% |
| Q2 2026 | 24.28% | 24.28% | 24.86% | 23.97% | 2.32% |
Farmers Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17614) · FFIEC NIC profile (RSSD 482156)