Farmers Bank & Trust is a bank based in Atwood, Kansas, established in 1914, with $158 million in total assets across 4 branches. By Trust Grade it ranks 164th of 186 banks we track in Kansas. Its capital ratio of 7.2% trails most similarly sized banks (9th percentile), versus a Kansas median of 10.4%. It was profitable over the most recent period, with a 1.17% return on assets. No consumer complaints against Farmers Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Farmers Bank & Trust compares to Kansas peers
How we graded Farmers Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.2% capital ratio)
- Strongly profitable (ROA 1.17%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Farmers Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 326 Kansas Ave, Brewster, KS 67732
- 202 S Penn Ave, Oberlin, KS 67749
- 101 S 4th St, Atwood, KS 67730
- 2080 S Franklin Ave, Colby, KS 67701
Are deposits at Farmers Bank & Trust insured?
Yes. Farmers Bank & Trust is an FDIC-insured bank (FDIC certificate #4621). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Farmers Bank & Trust: frequently asked questions
Is Farmers Bank & Trust a good bank?
Farmers Bank & Trust earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (7.2% capital ratio); Strongly profitable (ROA 1.17%).
Is Farmers Bank & Trust FDIC-insured?
Yes. Farmers Bank & Trust is a FDIC-insured bank (FDIC certificate #4621). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Farmers Bank & Trust?
Farmers Bank & Trust holds $158 million in total assets, ranking 164th of 186 banks we track in Kansas. It operates 4 branches.
Does Farmers Bank & Trust have CFPB complaints?
No CFPB complaints against Farmers Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
