Farmers Bank & Trust: how it compares with its peers
Against 30 KS banks with half to twice its assets, Farmers Bank & Trust's strongest measure in Q2 2026 is return on assets (2.56% vs. a 1.48% peer median). Its weakest relative measure is net interest margin (3.87% vs. 3.95%).
| Measure | Farmers Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.56% | 1.48% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.87% | 3.95% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.20% | 59.63% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $6.7M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.27% | 76.28% | Context |
What it means for lending operations
Its efficiency ratio of 45.20% is better than the 59.63% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- GNBank, National Association Girard, KS · $1.05B
- Security State Bank Scott City, KS · $1.03B
- Bank of Labor Overland Park, KS · $1.11B
- Dream First Bank, National Association Syracuse, KS · $964M
- The First National Bank of Hutchinson Hutchinson, KS · $1.21B
- United Bank & Trust Marysville, KS · $893M
Questions about Farmers Bank & Trust
How big is Farmers Bank & Trust?
Farmers Bank & Trust, established in 1907, is headquartered in Great Bend, KS. It reported $1.05B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Farmers Bank & Trust's return on assets?
2.56% annualized in Q2 2026, against a 1.48% median for 30 KS banks with half to twice its assets, ahead of 93% of them.
What is Farmers Bank & Trust's efficiency ratio?
45.20% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 59.63%, and lower is better.
Is Farmers Bank & Trust growing its loans?
Net loans grew 6.7% over the year to Q2 2026, while deposits shrank 0.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.