TellerScore

Farmers Bank & Trust (FDIC certificate #17614) is based in Great Bend, Kansas. Its Q2 2026 call report shows $1.1B in total assets and $699.1M in deposits and 9 offices.

Farmers Bank & Trust has a TellerScore of 96 out of 100 (very strong) based on Q2 2026 data — higher than 100% of its 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 1st. Capital cushion contributes the most (100/100, 23.97%); funding & liquidity contributes the least (87/100, 71% loans-to-deposits, 17% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 23.97%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings100/100
Return on assets (annualized): 2.56%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 71.3% · 16.6% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.56%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (94 → 96), mostly because the loan quality component improved by 12 points.

TellerScore
949698Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202496
Q3 202496
Q4 202497
Q1 202596
Q2 202594
Q3 202598
Q4 202596
Q1 202695
Q2 202696
Tier 1 leverage ratio
5.00%14.56%24.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202420.76%
Q3 202420.82%
Q4 202421.20%
Q1 202523.00%
Q2 202523.06%
Q3 202522.74%
Q4 202522.86%
Q1 202624.11%
Q2 202623.97%
Noncurrent loans
0.02%0.28%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.14%
Q4 20240.11%
Q1 20250.28%
Q2 20250.55%
Q3 20250.02%
Q4 20250.24%
Q1 20260.33%
Q2 20260.19%
Return on assets
1.61%2.21%2.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.61%
Q3 20241.69%
Q4 20241.85%
Q1 20252.00%
Q2 20252.08%
Q3 20252.17%
Q4 20252.19%
Q1 20262.82%
Q2 20262.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202696$1.1B23.97%0.19%2.56%71.3%
Q1 202695$1.0B24.11%0.33%2.82%72.5%
Q4 202596$1.0B22.86%0.24%2.19%73.1%
Q3 202598$1.0B22.74%0.02%2.17%68.0%
Q2 202594$993.3M23.06%0.55%2.08%66.7%
Q1 202596$992.1M23.00%0.28%2.00%67.3%
Q4 202497$986.0M21.20%0.11%1.85%62.6%
Q3 202496$1.0B20.82%0.14%1.69%59.9%
Q2 202496$1.1B20.76%0.02%1.61%61.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio23.97%
99th
Total risk-based capital24.86%
96th
Problem loans0.19%
78th
Net charge-offs-0.00%
86th
Return on assets2.56%
97th
Net interest margin3.87%
61st
Efficiency ratio45.2%
87th
Loans to deposits71.3%
82nd
Uninsured deposits16.6%
89th
Loan-loss reserves1.12%
46th
Texas ratio0.6%
89th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
Security State BankBank Scott City, KS72 out of 100, Strong$1.0B10.2%0.26%vs
Bank of LaborBank Overland Park, KS41 out of 100, Below average$1.1B8.0%3.15%vs
The First National Bank of HutchinsonBank Hutchinson, KS78 out of 100, Strong$1.2B11.5%0.33%vs
Nbkc BankBank Leawood, KS82 out of 100, Strong$1.2B17.1%1.45%vs
CoreFirst Bank & TrustBank Topeka, KS71 out of 100, Strong$1.3B8.7%0.21%vs

Deposit insurance

Is my money safe at Farmers Bank & Trust?

Yes. Farmers Bank & Trust is an FDIC-insured institution (FDIC certificate #17614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.6% of deposits ($115.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 23.97%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.86% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Farmers Bank & Trust lists 9 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Farmers Bank & Trust reported 2,131 home-loan applications under HMDA (LEI 549300LLESTPOVRG3X73): 1,100 originated ($537,380,000 total), 159 denied, and 775 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Farmers Bank & Trust
Former names
Farmers Bank & Trust, National Association; The Farmers State Bank, Albert, Kansas
Type
State-chartered bank
FDIC certificate #
17614
RSSD ID
482156
Primary regulator
FDIC
Holding company
Farmers Enterprises Inc
Established
August 1, 1907
Headquarters
1017 Harrison St, Great Bend, KS 67530
Employees
135

Quick answers

Farmers Bank & Trust: common questions

Is Farmers Bank & Trust FDIC insured?

Yes. Farmers Bank & Trust is an FDIC-insured institution (FDIC certificate #17614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers Bank & Trust's TellerScore?

96 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers Bank & Trust ever failed?

There is no failure record for FDIC certificate #17614 in the FDIC failed bank list.

How many branches does Farmers Bank & Trust have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Great Bend

InstitutionScoreAssetsCapitalProblem loansCompare
Fusion BankBank Larned, KS88 out of 100, Very strong$281.0M12.8%0.47%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs
Lyons Federal BankBank Lyons, KS78 out of 100, Strong$197.6M12.7%0.23%vs
Credit Union of AmericaCredit union Wichita, KS75 out of 100, Strong$1.9B12.7%0.64%vs
First Kansas BankBank Hoisington, KS74 out of 100, Strong$294.4M8.3%0.00%vs
The Wilson State BankBank Wilson, KS74 out of 100, Strong$123.1M9.5%0.00%vs