BlastPoint's Banking Scorecard
Farmers Bank & Trust
Community
Specialty: Other
KS
FDIC cert 17614
Great Bend, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Farmers Bank & Trust has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 18% in Community
- + Revenue Diversifier: Top 36% in Community
- + Tier 1 Capital Ratio 13.81% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 11% in Community
- - Liquidity Overhang: Bottom 34% in Community
- - Credit Risk Growth: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+3.5% YoY
-1.6% QoQ
|
-$371.1M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$510.9M
+9.8% YoY
+2.9% QoQ
|
-$464.6M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$698.5M
-6.0% YoY
-4.3% QoQ
|
-$466.1M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
2.19%
+18.1% YoY
+0.8% QoQ
|
+1.02% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
3.78%
+14.6% YoY
+1.3% QoQ
|
+0.11% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
48.20%
-5.9% YoY
-0.5% QoQ
|
-14.43% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.24%
+109.2% YoY
|
-0.39% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
73.14%
+16.8% YoY
+7.5% QoQ
|
-9.92% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
22.68%
-2.6% YoY
+16.6% QoQ
|
+1.63% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.23%
+35.7% YoY
+96.8% QoQ
|
-0.27% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
24.05%
-1.5% YoY
+0.5% QoQ
|
+13.81% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.95%
-3.8% YoY
+44.9% QoQ
|
+0.21% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#67 of 371 · Top 18% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.19%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#133 of 371 · Top 36% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.95%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.19%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
24.05%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Deposit Outflow
decline
#28 of 248 · Bottom 11% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Liquidity Overhang
risk
#93 of 268 · Bottom 34% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
24.05%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
73.14%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#318 of 642 · Bottom 49% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 24.05% · Tier avg: 10.24%
94
94th pctile
Return on Assets
Current: 2.19% · Tier avg: 1.16%
87
87th pctile
Efficiency Ratio
Current: 48.20% · Tier avg: 62.63%
84
84th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.74%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.14% · Tier avg: 83.06%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.68% · Tier avg: 21.05%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
38
38th pctile
Total Deposits
Current: $698.5M · Tier avg: $1.2B
33
33th pctile
Total Loans
Current: $510.9M · Tier avg: $975.5M
Top Weaknesses
33
33th pctile
Total Loans
Current: $510.9M · Tier avg: $975.5M
38
38th pctile
Total Deposits
Current: $698.5M · Tier avg: $1.2B
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.68% · Tier avg: 21.05%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.14% · Tier avg: 83.06%
84
84th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.74%
87
87th pctile
Efficiency Ratio
Current: 48.20% · Tier avg: 62.63%
94
94th pctile
Return on Assets
Current: 2.19% · Tier avg: 1.16%
97
97th pctile
Tier 1 Capital Ratio
Current: 24.05% · Tier avg: 10.24%