Total Assets
$168M
Total balance-sheet footings
FDIC Cert #4621 · Atwood, Kansas · Est. 1914
Farmers Bank & Trust - FDIC Bank Health Profile
A community-scale look at Farmers Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $168M
- Total assets
- C
- Health grade · Fair
- 0.63%
- Return on assets
- 9.0%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers Bank & Trust earns a PlainBankData health grade of C (64/100), with 9.05% Tier 1 capital, 0.63% ROA, efficient (54% cost ratio).
- #3,234
- largest of 4,313 FDIC banks by assets
- 25th
- percentile by asset size, nationally
- 9.05%
- Tier 1 ratio - below the 10% well-capitalized line
- 21st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Farmers Bank & Trust's 64/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers Bank & Trust's composite health score
Tier 1 Capital Ratio (9.05%) 18/40
Return on Assets (ROA) (0.63%) 14/25
Texas Ratio (3.44%) 20/20
Efficiency Ratio (54.48%) 12/15
64 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$156M
Customer-funded liabilities
Net Loans
$86M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers Bank & Trust's score of 64/100 falls in the highlighted band.
Farmers Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers Bank & Trust's $168M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.05% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.05%
Texas Ratio
3.44%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
21st percentile nationally
0.63%
Return on Equity (ROE)
10.30%
Efficiency Ratio
54.48%
What the numbers say about Farmers Bank & Trust
Farmers Bank & Trust is an FDIC-insured institution (Certificate #4621) headquartered in Atwood, Kansas, established in 1914. It holds $168M in total assets - 3,234th of 4,313 FDIC-insured banks, $156M in customer deposits, and $86M in net loans. Looking at capital strength, Tier 1 stands at 9.05%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.44%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (64/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Farmers Bank & Trust ranks 109th of 188 banks based in Kansas -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$8M
Interest Income
$457K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers Bank & Trust reports a Texas Ratio of 3.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers Bank & Trust (FDIC Cert #4621) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is Farmers Bank & Trust's health grade?▼
Farmers Bank & Trust receives a health grade of C (64/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Farmers Bank & Trust?▼
Farmers Bank & Trust holds $168M in total assets and $156M in deposits, ranking 3,234th of 4,313 FDIC-insured banks by asset size. It is headquartered in Atwood, Kansas.
Is my money safe at Farmers Bank & Trust?▼
Yes, deposits at Farmers Bank & Trust (Certificate #4621) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers Bank & Trust's Tier 1 Capital Ratio?▼
Farmers Bank & Trust has a Tier 1 Capital Ratio of 9.05%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Farmers Bank & Trust?▼
Farmers Bank & Trust has a Texas Ratio of 3.44%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers Bank & Trust?▼
Farmers Bank & Trust has an Efficiency Ratio of 54.48%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers Bank & Trust's profile as a depositor or analyst.
- Farmers Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers Bank & Trust against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.