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 21.45 percentage points in Q2 2026, from 85.09% to 106.54%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Farmers Bank & Trust is 50th of 182 on return on assets, 1.71% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers Bank & Trust sits 0.46 points higher, at 1.71% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.58% |
| Equity capital to assets | 8.46% |
| Tangible equity to tangible assets | 8.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 0.61% |
| Net charge-off ratio | 0.31% |
| Texas ratio | 6.66% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 106.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.71% |
| Return on equity | 21.89% |
| Net interest margin | 3.98% |
| Efficiency ratio | 54.66% |
| Yield on earning assets | 5.16% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.40% |
| Core deposits to total deposits | 93.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.07% |
| Securities to assets | 30.69% |
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 | 16.26% | 16.26% | 17.51% | 8.96% | 0.52% |
| Q4 2023 | 16.67% | 16.67% | 17.55% | 9.08% | 0.55% |
| Q1 2024 | — | — | — | 9.11% | 1.32% |
| Q2 2024 | — | — | — | 9.43% | 0.88% |
| Q3 2024 | — | — | — | 9.70% | 0.90% |
| Q4 2024 | — | — | — | 8.98% | 1.11% |
| Q1 2025 | — | — | — | 8.51% | 1.35% |
| Q2 2025 | 15.03% | 15.03% | 15.94% | 8.67% | 0.88% |
| Q3 2025 | 14.43% | 14.43% | 15.69% | 8.81% | -0.74% |
| Q4 2025 | — | — | — | 9.05% | 1.00% |
| Q1 2026 | — | — | — | 9.43% | 1.17% |
| Q2 2026 | — | — | — | 10.58% | 1.71% |
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 4621) · FFIEC NIC profile (RSSD 984351)