Farmers Bank & Trust (FDIC certificate #4621) is based in Atwood, Kansas. Its Q2 2026 call report shows $159.0M in total assets and $144.8M in deposits and 4 offices.
Farmers Bank & Trust has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 109th. Problem-loan coverage contributes the most (90/100, 4.8%); capital cushion contributes the least (56/100, 10.58%).
TellerScore · Q2 2026
Scorecard
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 15 points (58 → 73), mostly because the capital cushion component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 75 |
| Q4 2024 | 71 |
| Q1 2025 | 71 |
| Q2 2025 | 58 |
| Q3 2025 | 62 |
| Q4 2025 | 64 |
| Q1 2026 | 61 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.43% |
| Q3 2024 | 9.70% |
| Q4 2024 | 8.98% |
| Q1 2025 | 8.51% |
| Q2 2025 | 8.67% |
| Q3 2025 | 8.81% |
| Q4 2025 | 9.05% |
| Q1 2026 | 9.43% |
| Q2 2026 | 10.58% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 1.28% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.53% |
| Q1 2026 | 1.40% |
| Q2 2026 | 0.75% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 1.03% |
| Q4 2024 | 1.02% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.12% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.63% |
| Q1 2026 | 1.17% |
| Q2 2026 | 1.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $159.0M | 10.58% | 0.75% | 1.43% | 63.7% |
| Q1 2026 | 61 | $158.1M | 9.43% | 1.40% | 1.17% | 56.4% |
| Q4 2025 | 64 | $167.8M | 9.05% | 0.53% | 0.63% | 55.4% |
| Q3 2025 | 62 | $162.7M | 8.81% | 0.48% | 0.52% | 53.2% |
| Q2 2025 | 58 | $165.7M | 8.67% | 1.28% | 1.12% | 52.8% |
| Q1 2025 | 71 | $168.5M | 8.51% | 0.00% | 1.33% | 49.6% |
| Q4 2024 | 71 | $185.5M | 8.98% | 0.00% | 1.02% | 44.3% |
| Q3 2024 | 75 | $148.6M | 9.70% | 0.00% | 1.03% | 53.7% |
| Q2 2024 | 75 | $149.6M | 9.43% | 0.00% | 1.09% | 52.8% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First BankBank Sterling, KS | 45 out of 100, Below average | $162.4M | 12.4% | 7.82% | vs |
| The Bank of ProtectionBank Protection, KS | 81 out of 100, Strong | $154.4M | 11.8% | 0.01% | vs |
| Impact BankBank Wellington, KS | 80 out of 100, Strong | $167.2M | 10.6% | 0.03% | vs |
| American Bank of Baxter SpringsBank Baxter Springs, KS | 72 out of 100, Strong | $170.2M | 10.0% | 0.00% | vs |
| Farmers National BankBank Phillipsburg, KS | 91 out of 100, Very strong | $172.5M | 19.6% | 0.41% | vs |
| The Community BankBank Liberal, KS | 85 out of 100, Very strong | $173.5M | 12.8% | 0.04% | vs |
Deposit insurance
Is my money safe at Farmers Bank & Trust?
Yes. Farmers Bank & Trust is an FDIC-insured institution (FDIC certificate #4621). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.8% of deposits ($35.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Farmers Bank & Trust lists 4 offices in 4 cities. Most locations:
- Atwood, KS (1)
- Brewster, KS (1)
- Colby, KS (1)
- Oberlin, KS (1)
Identity & history
Profile
- Legal name
- Farmers Bank & Trust
- Former names
- The Farmers National Bank of Atwood
- Type
- State-chartered bank
- FDIC certificate #
- 4621
- RSSD ID
- 984351
- Primary regulator
- FDIC
- Holding company
- Rawlins Bancshares Inc
- Established
- January 1, 1914
- Headquarters
- 101 S 4th St, Atwood, KS 67730
- Website
- www.farmersbank-trust.com
- Employees
- 23
Quick answers
Farmers Bank & Trust: common questions
Is Farmers Bank & Trust FDIC insured?
Yes. Farmers Bank & Trust is an FDIC-insured institution (FDIC certificate #4621). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers Bank & Trust's TellerScore?
73 out of 100 (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 #4621 in the FDIC failed bank list.
How many branches does Farmers Bank & Trust have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Atwood
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers National BankBank Phillipsburg, KS | 91 out of 100, Very strong | $172.5M | 19.6% | 0.41% | vs |
| The BankBank Oberlin, KS | 59 out of 100, Moderate | $617.3M | 11.5% | 3.45% | vs |
| Outdoor BankBank Manhattan, KS | 31 out of 100, Low | $648.8M | 9.2% | 3.83% | vs |