2024 Overview
General Bank Information
Farmers Bank & Trust is an FDIC insured institution located in Great Bend, KS. It was founded in 1907 and has approximately $1.06 billion in assets. Customers can open an account at one of its 9 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 17614 |
| Date Established | 1907 |
| Assets | $ 1,060.99 million |
| Loans | $ 468.79 million |
| Deposits | $ 763.21 million |
| Capital | $ 199.49 million |
For a more detailed analysis of Farmers Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - November 23, 2024
Your Current Location: Ohio, OH 43085
Loan Rates - November 23, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Farmers Bank & Trust
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 1025894 |
6.956% |
6.875% 0.63 points $2,642 fees |
$2,103 | Learn More |
NMLS ID: 3030 |
7.225% |
7.125% 1.00 points $3,200 fees |
$2,156 | Learn More |
NMLS ID: 1907 |
points fees |
Learn More | ||
NMLS ID: 3029 |
points fees |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR
7.240 %
After Intro: 7.240 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR
10.625 %
After Intro: 10.625 % |
$0 |
Learn More
More Info |
Note to Farmers Bank & Trust
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Branches
Farmers Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Farmers Bank & Trust Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 623.04 | A | View Lobby Hours | |
| 631.89 | B | View Lobby Hours | |
| 842.84 | C | View Lobby Hours | |
| 843.86 | D | View Lobby Hours | |
| 855.14 | E | View Lobby Hours | |
| 862.11 | F | View Lobby Hours | |
| 870.10 | G | View Lobby Hours | |
| 881.25 | H | View Lobby Hours | |
| 890.90 | I | View Lobby Hours |
Climate Policy and Initiatives
Farmers Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Farmers Bank & Trust Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Farmers Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Farmers Bank & Trust | U.S. Bank Average |
|---|---|
| 0.7% | 4.48% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2024, Farmers Bank & Trust had $98,000 in non-current loans and $1,336,000 in owned real estate. To cover these potential losses it had $199,487,000 in equity and $5,265,000 in loans loss reserves. That gives it a Texas Ratio of 0.7%.
Return on Equity
| Farmers Bank & Trust | U.S. Bank Average |
|---|---|
| 8.25% | 10.46% |
Farmers Bank & Trust has a Return on Equity of 8.25% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Farmers Bank & Trust | U.S. Bank Average |
|---|---|
| 18.8% | 10.84% |
Farmers Bank & Trust has a Capitalization of 18.8% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Farmers Bank & Trust Balance Sheet Analysis
As of June 30, 2024, Farmers Bank & Trust had assets of $1,060,986,000, loans of $468,785,000, and deposits of $763,213,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
June 30, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 8.17 million |
| Interest-bearing balances | $ 0.56 million |
| Total securities | $ 530.43 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 468.79 million |
| Loan loss allowance | $ 5.27 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 1.34 million |
| Goodwill and other intangibles | $ 0.70 million |
| All other assets | $ 36.54 million |
| Total Assets | $ 861.50 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 763.21 million |
| Interest-bearing deposits | $ 606.90 million |
| Deposits held in domestic offices | $ 763.21 million |
| % insured (estimated) | 85.69% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 79.35 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 4.60 million |
| Total Liabilities | $ 861.50 million |
| Shareholders’ Equity | $ 199.49 million |
Summary Income Statement
June 30, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 25.55 million |
| Total Interest Expense | $ 10.35 million |
| Net interest income | $ 15.20 million |
| Provision for loan and lease losses | $ 0.52 million |
| Total non interest income | $ 3.69 million |
| Total non interest expense | $ 9.91 million |
| Pre-tax Net Operating Income | $ 7.18 million |
Bank Loan Profile?
The top three loan types in Farmers Bank & Trust’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and 1-4 Family Residential Loans.
Compared to other banks in Kansas, Farmers Bank & Trust has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 13.79 | ✓ | ||
| Multifamily Mortgages |
4.63 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.34 | ✓ | ||
| Small Business Loans | 5.57 | ✓ | ||
| Construction and Development Loans | 14.91 | ✓ | ||
| Commercial Real Estate | 17.37 | ✓ | ||
| Commercial and Industrial Loans | 3.43 | ✓ | ||
| Farm Loans | 5.53 | ✓ | ||
Customer Reviews for Farmers Bank & Trust
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