Farmers Bank&Trust (FDIC #4621): Bank Stress & Real-Estate Credit Exposure

Farmers Bank&Trust (FDIC Cert #4621): bank stress 67/100, elevated, STABLE over 7 days; parent RAWLINS BANCSHARES INC.

Farmers Bank&Trust (#4621) lends in 3 counties across 1 state; Farmers Bank&Trust (#4621) reaches 19 ZIP codes: Kansas 3 counties, 19 ZIPs.

Farmers Bank&Trust (#4621) largest markets: Rawlins County, KS (10 branches, 10 ZIPs) (#4621), Decatur County, KS (8 branches, 8 ZIPs) (#4621), Thomas County, KS (16 branches, 8 ZIPs) (#4621).

Farmers Bank&Trust (#4621) reports $159.0 million in total assets; Farmers Bank&Trust (#4621) equity $13.4 million (8.5% of Farmers Bank&Trust (#4621) assets); Farmers Bank&Trust (#4621) domestic deposits $144.8 million; Farmers Bank&Trust (#4621) net income $1.2 million; Farmers Bank&Trust (#4621) return on assets 1.43%; Farmers Bank&Trust (#4621) return on equity 19.04%; Farmers Bank&Trust (#4621) net interest income $2.9 million; Farmers Bank&Trust (#4621) call report June 30, 2026.

Farmers Bank&Trust (#4621) noncurrent real-estate loans: none reported; Farmers Bank&Trust (#4621) net charge-offs on real estate 0.00%.

Farmers Bank&Trust (#4621) net interest margin 3.88% against an eight-quarter Farmers Bank&Trust (#4621) average of 3.17% (Farmers Bank&Trust (#4621) compression -0.71 points); Farmers Bank&Trust (#4621) rate-exposure score 40/100, Farmers Bank&Trust (#4621) fixed-rate trap 40/100; Farmers Bank&Trust (#4621) risk type credit driven; Farmers Bank&Trust (#4621) rate regime rates elevated, Farmers Bank&Trust (#4621) snapshot October 19, 2026.

Farmers Bank&Trust (#4621) stress score moved from 75.5 on June 22, 2026 to 67.4 on October 19, 2026; Farmers Bank&Trust (#4621) ranged 67.4 to 75.5 over 116 snapshots.

Farmers Bank&Trust (#4621) alerts: 3 counties; top Farmers Bank&Trust (#4621) alert scores: Atwood County, KS 23 (low); Colby County, KS 23 (low); Oberlin County, KS 23 (low).