Farmers Bank & Trust: how it compares with its peers
Against 82 KS banks with half to twice its assets, Farmers Bank & Trust's strongest measure in Q2 2026 is efficiency ratio (57.34% vs. a 58.69% peer median). Its weakest relative measure is net interest margin (3.88% vs. 3.97%).
| Measure | Farmers Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.43% | 1.42% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.88% | 3.97% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.34% | 58.69% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $7.0M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.69% | 75.29% | Context |
What it means for lending operations
Its efficiency ratio of 57.34% is better than the 58.69% 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
- First Bank Sterling, KS · $162M
- The Bank of Protection Protection, KS · $154M
- Impact Bank Wellington, KS · $167M
- American Bank of Baxter Springs Baxter Springs, KS · $170M
- Farmers National Bank Phillipsburg, KS · $173M
Questions about Farmers Bank & Trust
How big is Farmers Bank & Trust?
Farmers Bank & Trust, established in 1914, is headquartered in Atwood, KS. It reported $159M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Farmers Bank & Trust's return on assets?
1.43% annualized in Q2 2026, against a 1.42% median for 82 KS banks with half to twice its assets, ahead of 51% of them.
What is Farmers Bank & Trust's efficiency ratio?
57.34% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 58.69%, and lower is better.
Is Farmers Bank & Trust growing its loans?
Net loans grew 13.0% over the year to Q2 2026, while deposits shrank 6.4%.
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.