Farmers Bank & Trust
Asset quality shifted last quarter — NPLs rose to 1.38% from 0.53% in the prior period. Operating from Atwood, KS, Farmers Bank & Trust serves its local market as an FDIC-insured commercial bank. As of Q1 2026, the bank held approximately $158M in total assets and $146M in deposits. Earnings are mid-range — 1.17% ROA and a 3.73% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.43% exceeds the 9% CBLR threshold. Credit metrics are in line with industry norms — 1.38% NPL ratio. 4 branches make up the footprint.
Headquarters Profile
- Address
- 101 S 4th St, ATWOOD, KS 67730
- County
- Rawlins
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1914
- Branches
- 4 domestic
- Employees (FTE)
- 23
- FDIC Cert
- 4621
- Fed RSSD
- 984351
- Website
- www.farmersbank-trust.com →
- Parent Holding Company
- RAWLINS BANCSHARES, INC. (RSSD 1062854)
Capital & Liquidity
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Farmers Bank & Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- FailureFailure / assisted resolutionFDIC FAILURES
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
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Frequently asked about Farmers Bank & Trust
What are Farmers Bank & Trust's total assets?
As of the Q1 2026 filing, Farmers Bank & Trust reported total assets of $158.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers Bank & Trust headquartered?
Farmers Bank & Trust is headquartered in ATWOOD, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers Bank & Trust founded?
Farmers Bank & Trust was established in 1914, per the FDIC institution directory.
Is Farmers Bank & Trust FDIC-insured?
Yes. Farmers Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #4621). 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Farmers Bank & Trust operate?
Farmers Bank & Trust operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers Bank & Trust's Texas Ratio?
Farmers Bank & Trust's Texas Ratio is 9.38% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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