Farmers Bank & Trust (Atwood, 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 Atwood, KS, established in 1914 (FDIC certificate 4621), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $159.0M, down 4.0% from Q2 2025, the 113th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.58% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4621
- Headquarters
- Atwood, KS
- Established
- 1914
- Total assets, Q2 2026
- $159.0M
- Assets vs Q2 2025
- -4.0%
- Tier 1 leverage ratio, Q2 2026
- 10.58%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101111678
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Bank & Trust call report
- Holding company
- RAWLINS BANCSHARES, INC.
- Asset rank in state
- 113th of 182 in Kansas
Farmers Bank & Trust is one of the more profitable banks of its size. Based in Atwood, Kansas, it had $159 million in assets at June 30, 2026, down 4.0% from a year earlier. It returns 21.9% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also holds commercial real estate loans equal to only 18% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $681,000, 78% above the same quarter a year earlier. Over the same year, loans grew 13.1% and deposits shrank 6.4%. One more trend to watch: the commercial and industrial book ($23 million) is worsening: 2.99% of it is past due or on nonaccrual, up from 0.61% a year earlier.
As of June 30, 2026, Farmers Bank & Trust reported a return on assets of 1.71%, a nonperforming-loan ratio of 0.75% and a Texas ratio of 4.81%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Farmers Bank & Trust is the 113th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $159.0M, loans rose 11.9% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by agricultural production loans, at 29.2% of total loans, followed by farmland and other real estate loans at 28.6%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in KS; its Atwood office books 61% of its branch deposits. Judged on its Q2 2026 call report, Farmers Bank & Trust meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1914
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $144.8M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $1.3M
- Average total assets
- $159.6M
- Average total loans
- $88.2M
- Average interest-bearing deposits
- $124.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4621
- Fed RSSD
- 984351
- Website
- www.farmersbank-trust.com →
- Parent Holding Company
- RAWLINS BANCSHARES, INC. (RSSD 1062854)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Farmers Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Farmers Bank & Trust's total assets moved between a low of $147.5M (Q1 2024) and a high of $185.5M (Q4 2024) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$159.0M total assets against $165.7M; $145.6M total liabilities against $155.4M.
$92.2M net loans and leases against $81.6M; $144.8M total deposits against $154.6M.
$48.8M securities against $62.2M; $11.5M cash and balances due against $15.9M.
$2.0M total interest income against $2.0M; $455K total interest expense against $736K.
$1.5M net interest income against $1.2M.
$111K total noninterest income against $116K; $899K total noninterest expense against $776K.
$133K provision for credit losses against $45K.
$681K net income against $383K.
1.71% return on assets against 0.88%; 3.98% net interest margin against 3.09%.
10.58% tier 1 leverage ratio against 8.67%.
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 897 of 3,611, for ROA; its furthest is 3,225 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.74% (Q3 2025) to 1.71% (Q2 2026) and its net interest margin ran from 2.64% (Q3 2024) to 3.98% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.58% | 1.71% | 0.75% | 4.81% | 3.98% |
| Q1 2026 | 9.43% | 1.17% | 1.40% | 9.38% | 3.73% |
| Q4 2025 | 9.05% | 1.00% | 0.53% | 3.44% | 3.64% |
| Q3 2025 | 8.81% | -0.74% | 0.48% | 3.07% | 3.83% |
| Q2 2025 | 8.67% | 0.88% | 1.28% | 9.40% | 3.09% |
| Q1 2025 | 8.51% | 1.35% | 0.00% | 0.00% | 2.95% |
| Q4 2024 | 8.98% | 1.11% | 0.00% | 0.00% | 2.75% |
| Q3 2024 | 9.70% | 0.90% | 0.00% | 0.00% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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) | Atwood , KS | 67730 | $89.0M |
| Oberlin Branch | Oberlin , KS | 67749 | $40.6M |
| Brewster Branch | Brewster , KS | 67732 | $12.8M |
| Farmers Bank and Trust | Colby , KS | 67701 | $2.4M |
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 23, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 23, 1994 | Structure Change | Acquired Brewster National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KS, rank 130 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K 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
- Enforcement actions, Mortgage lending (HMDA), 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 $159.0 million in its FFIEC call report.
Where is Farmers Bank & Trust headquartered?
It is headquartered in Atwood, KS, United States.
When was Farmers Bank & Trust founded?
It was established in 1914, per the FDIC institution directory.
Is Farmers Bank & Trust FDIC-insured?
Yes. It 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.
How many branches does Farmers Bank & Trust operate?
It operates 4 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 4.81% 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.
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