Farmers Bank & Trust Mortgage Rates, Fees & Info

Great Bend, KS

LEI: 549300LLESTPOVRG3X73

Tax ID: 48-0216340

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Farmers Bank & Trust is a small bank specializing in Refi and Cash Out Refi loans. Farmers Bank & Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets include Seattle, Washington, Los Angeles, San Francisco, and New York among others. Farmers Bank & Trust has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors.


Originations

3,052

Origination Dollar Volume (All Markets)

$1,361,430,000

Employee count

128

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 358 $184,920,000 $516,536 $0 0.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 274 $130,690,000 $476,971 $0 0.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 227 $124,665,000 $549,185 $0 0.00%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 162 $97,980,000 $604,815 $0 0.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 182 $85,350,000 $468,956 $0 0.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 97 $45,455,000 $468,608 $0 0.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 73 $42,915,000 $587,877 $0 0.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 140 $39,910,000 $285,071 $0 0.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 71 $37,505,000 $528,239 $0 0.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 69 $32,665,000 $473,406 $0 0.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 64 $27,360,000 $427,500 $0 0.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 63 $22,465,000 $356,587 $0 0.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 51 $21,265,000 $416,961 $0 0.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 50 $21,070,000 $421,400 $0 0.00%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 43 $20,285,000 $471,744 $0 0.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 40 $18,920,000 $473,000 $0 0.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 46 $18,850,000 $409,783 $0 0.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 43 $18,215,000 $423,605 $0 0.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 40 $17,760,000 $444,000 $0 0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 34 $16,840,000 $495,294 $0 0.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 36 $15,010,000 $416,944 $0 0.00%
Outside of Metro Areas 68 $12,310,000 $181,029 $0 0.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 31 $11,785,000 $380,161 $0 0.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 27 $11,465,000 $424,630 $0 0.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 29 $11,085,000 $382,241 $0 0.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 25 $10,895,000 $435,800 $0 0.00%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 21 $10,205,000 $485,952 $0 0.00%
RICHMOND, VA (FHA|USDA|VA) 19 $8,765,000 $461,316 $0 0.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 20 $8,440,000 $422,000 $0 0.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 25 $7,675,000 $307,000 $0 0.00%
BOISE CITY, ID (FHA|USDA|VA) 18 $7,320,000 $406,667 $0 0.00%
Great Bend, KS (FHA|USDA|VA) 39 $5,205,000 $133,462 $0 0.00%
WORCESTER, MA-CT (FHA|USDA|VA) 13 $5,045,000 $388,077 $0 0.00%
LAWRENCE, KS (FHA|USDA|VA) 16 $4,750,000 $296,875 $0 0.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 10 $4,680,000 $468,000 $0 0.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 9 $4,515,000 $501,667 $0 0.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 10 $4,440,000 $444,000 $0 0.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 11 $4,405,000 $400,455 $0 0.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 10 $4,180,000 $418,000 $0 0.00%
BELLINGHAM, WA (FHA|USDA|VA) 10 $4,150,000 $415,000 $0 0.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 10 $3,930,000 $393,000 $0 0.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 8 $3,780,000 $472,500 $0 0.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 10 $3,680,000 $368,000 $0 0.00%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 7 $3,615,000 $516,429 $0 0.00%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 6 $3,510,000 $585,000 $0 0.00%
JACKSONVILLE, FL (FHA|USDA|VA) 8 $3,480,000 $435,000 $0 0.00%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 9 $3,365,000 $373,889 $0 0.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 7 $3,365,000 $480,714 $0 0.00%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 8 $3,290,000 $411,250 $0 0.00%
BOULDER, CO (FHA|USDA|VA) 8 $3,130,000 $391,250 $0 0.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $3,130,000 $391,250 $0 0.00%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 8 $3,130,000 $391,250 $0 0.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $3,050,000 $508,333 $0 0.00%
FRESNO, CA (FHA|USDA|VA) 7 $3,015,000 $430,714 $0 0.00%
STOCKTON, CA (FHA|USDA|VA) 9 $2,965,000 $329,444 $0 0.00%
Heber, UT (FHA|USDA|VA) 4 $2,750,000 $687,500 $0 0.00%
RENO, NV (FHA|USDA|VA) 7 $2,745,000 $392,143 $0 0.00%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 6 $2,640,000 $440,000 $0 0.00%
BEND, OR (FHA|USDA|VA) 7 $2,615,000 $373,571 $0 0.00%
COLUMBUS, OH (FHA|USDA|VA) 9 $2,575,000 $286,111 $0 0.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 11 $2,525,000 $229,545 $0 0.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 6 $2,430,000 $405,000 $0 0.00%
WICHITA, KS (FHA|USDA|VA) 9 $2,425,000 $269,444 $0 0.00%
VALLEJO, CA (FHA|USDA|VA) 6 $2,390,000 $398,333 $0 0.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 8 $2,300,000 $287,500 $0 0.00%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $2,240,000 $373,333 $0 0.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 7 $2,205,000 $315,000 $0 0.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 6 $2,170,000 $361,667 $0 0.00%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 6 $2,050,000 $341,667 $0 0.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $2,005,000 $668,333 $0 0.00%
OCEAN CITY, NJ (FHA|USDA|VA) 4 $1,980,000 $495,000 $0 0.00%
WENATCHEE, WA (FHA|USDA|VA) 5 $1,955,000 $391,000 $0 0.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $1,940,000 $485,000 $0 0.00%
FORT COLLINS, CO (FHA|USDA|VA) 5 $1,905,000 $381,000 $0 0.00%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $1,875,000 $375,000 $0 0.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $1,830,000 $457,500 $0 0.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $1,825,000 $365,000 $0 0.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,740,000 $435,000 $0 0.00%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $1,725,000 $345,000 $0 0.00%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 4 $1,680,000 $420,000 $0 0.00%
SALINAS, CA (FHA|USDA|VA) 3 $1,675,000 $558,333 $0 0.00%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $1,575,000 $315,000 $0 0.00%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,565,000 $313,000 $0 0.00%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $1,525,000 $305,000 $0 0.00%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 5 $1,485,000 $297,000 $0 0.00%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $1,470,000 $367,500 $0 0.00%
JACKSON, MS (FHA|USDA|VA) 3 $1,445,000 $481,667 $0 0.00%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $1,375,000 $458,333 $0 0.00%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,330,000 $665,000 $0 0.00%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $1,315,000 $438,333 $0 0.00%
ALBUQUERQUE, NM (FHA|USDA|VA) 4 $1,240,000 $310,000 $0 0.00%
Edwards, CO (FHA|USDA|VA) 1 $1,235,000 $1,235,000 $0 0.00%
Glenwood Springs, CO (FHA|USDA|VA) 2 $1,230,000 $615,000 $0 0.00%
TOPEKA, KS (FHA|USDA|VA) 6 $1,190,000 $198,333 $0 0.00%
Aberdeen, WA (FHA|USDA|VA) 4 $1,140,000 $285,000 $0 0.00%
MADISON, WI (FHA|USDA|VA) 3 $1,135,000 $378,333 $0 0.00%
SPRINGFIELD, MA (FHA|USDA|VA) 5 $1,125,000 $225,000 $0 0.00%
TUCSON, AZ (FHA|USDA|VA) 4 $1,120,000 $280,000 $0 0.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $1,080,000 $270,000 $0 0.00%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $1,075,000 $358,333 $0 0.00%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $1,070,000 $535,000 $0 0.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $1,050,000 $525,000 $0 0.00%
Traverse City, MI (FHA|USDA|VA) 2 $1,030,000 $515,000 $0 0.00%
Sevierville, TN (FHA|USDA|VA) 3 $1,025,000 $341,667 $0 0.00%
CORVALLIS, OR (FHA|USDA|VA) 2 $1,010,000 $505,000 $0 0.00%
TWIN FALLS, ID (FHA|USDA|VA) 2 $970,000 $485,000 $0 0.00%
Hilo, HI (FHA|USDA|VA) 2 $960,000 $480,000 $0 0.00%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $910,000 $455,000 $0 0.00%
Shelton, WA (FHA|USDA|VA) 2 $910,000 $455,000 $0 0.00%
Outside of Metro Areas 2 $910,000 $455,000 $0 0.00%
Fernley, NV (FHA|USDA|VA) 2 $890,000 $445,000 $0 0.00%
Madison, IN (FHA|USDA|VA) 2 $890,000 $445,000 $0 0.00%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $885,000 $295,000 $0 0.00%
CARSON CITY, NV (FHA|USDA|VA) 2 $870,000 $435,000 $0 0.00%
Boone, NC (FHA|USDA|VA) 1 $845,000 $845,000 $0 0.00%
Crossville, TN (FHA|USDA|VA) 2 $790,000 $395,000 $0 0.00%
PITTSBURGH, PA (FHA|USDA|VA) 3 $785,000 $261,667 $0 0.00%
BATON ROUGE, LA (FHA|USDA|VA) 2 $780,000 $390,000 $0 0.00%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $750,000 $375,000 $0 0.00%
GREELEY, CO (FHA|USDA|VA) 2 $730,000 $365,000 $0 0.00%
COLUMBIA, SC (FHA|USDA|VA) 2 $730,000 $365,000 $0 0.00%
NAPA, CA (FHA|USDA|VA) 1 $725,000 $725,000 $0 0.00%
Ottawa, KS (FHA|USDA|VA) 2 $690,000 $345,000 $0 0.00%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $680,000 $340,000 $0 0.00%
MANHATTAN, KS (FHA|USDA|VA) 2 $670,000 $335,000 $0 0.00%
OWENSBORO, KY (FHA|USDA|VA) 2 $670,000 $335,000 $0 0.00%
MEDFORD, OR (FHA|USDA|VA) 1 $665,000 $665,000 $0 0.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $665,000 $665,000 $0 0.00%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $650,000 $325,000 $0 0.00%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $645,000 $645,000 $0 0.00%
Hays, KS (FHA|USDA|VA) 5 $615,000 $123,000 $0 0.00%
GETTYSBURG, PA (FHA|USDA|VA) 2 $610,000 $305,000 $0 0.00%
SANTA FE, NM (FHA|USDA|VA) 2 $610,000 $305,000 $0 0.00%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $610,000 $305,000 $0 0.00%
LANCASTER, PA (FHA|USDA|VA) 2 $570,000 $285,000 $0 0.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $570,000 $285,000 $0 0.00%
Key West, FL (FHA|USDA|VA) 1 $565,000 $565,000 $0 0.00%
LOGAN, UT-ID (FHA|USDA|VA) 1 $545,000 $545,000 $0 0.00%
KNOXVILLE, TN (FHA|USDA|VA) 1 $545,000 $545,000 $0 0.00%
MORGANTOWN, WV (FHA|USDA|VA) 2 $530,000 $265,000 $0 0.00%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $515,000 $515,000 $0 0.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $510,000 $255,000 $0 0.00%
SAVANNAH, GA (FHA|USDA|VA) 2 $510,000 $255,000 $0 0.00%
Waycross, GA (FHA|USDA|VA) 2 $510,000 $255,000 $0 0.00%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $505,000 $505,000 $0 0.00%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $495,000 $495,000 $0 0.00%
Seneca, SC (FHA|USDA|VA) 1 $495,000 $495,000 $0 0.00%
Sandpoint, ID (FHA|USDA|VA) 1 $495,000 $495,000 $0 0.00%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $485,000 $485,000 $0 0.00%
ANCHORAGE, AK (FHA|USDA|VA) 1 $475,000 $475,000 $0 0.00%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $475,000 $475,000 $0 0.00%
LINCOLN, NE (FHA|USDA|VA) 3 $465,000 $155,000 $0 0.00%
PROVO-OREM, UT (FHA|USDA|VA) 1 $465,000 $465,000 $0 0.00%
WILMINGTON, NC (FHA|USDA|VA) 1 $435,000 $435,000 $0 0.00%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $425,000 $425,000 $0 0.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $415,000 $415,000 $0 0.00%
YAKIMA, WA (FHA|USDA|VA) 1 $415,000 $415,000 $0 0.00%
MOBILE, AL (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
Bozeman, MT (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
Port Angeles, WA (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
SPARTANBURG, SC (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
Gainesville, TX (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
Sonora, CA (FHA|USDA|VA) 1 $375,000 $375,000 $0 0.00%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $375,000 $375,000 $0 0.00%
LUBBOCK, TX (FHA|USDA|VA) 3 $365,000 $121,667 $0 0.00%
Shelbyville, TN (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
GAINESVILLE, FL (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
Lebanon, NH-VT (FHA|USDA|VA) 1 $335,000 $335,000 $0 0.00%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $325,000 $325,000 $0 0.00%
Brevard, NC (FHA|USDA|VA) 1 $315,000 $315,000 $0 0.00%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
LONGVIEW, TX (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
NEW BERN, NC (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
GAINESVILLE, GA (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
TULSA, OK (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
DULUTH, MN-WI (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $245,000 $245,000 $0 0.00%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
LONGVIEW, WA (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
Altus, OK (FHA|USDA|VA) 2 $170,000 $85,000 $0 0.00%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
Salina, KS (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
Roseburg, OR (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
Bartlesville, OK (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%

Farmers Bank & Trust's top markets include Seattle, Washington, Los Angeles, San Francisco, and New York among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 3,041 $1,360,495,000 $447,384 $0 0.00%
USDA 11 $935,000 $85,000 $0 0.00%

For the 2021 period, Farmers Bank & Trust's most frequently originated loan type of loans were Conventional, with 3,041 originations. Their 2nd most popular type is USDA, with 11 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 1,896 $874,560,000 $461,266 $0 0.00%
Cash Out Refi 896 $403,890,000 $450,770 $0 0.00%
Home Purchase 256 $82,650,000 $322,852 $0 0.00%
Home Improvement 4 $330,000 $82,500 $0 0.00%

For the 2021, Farmers Bank & Trust's most frequently cited loan purpose of loans were Refi, with 1,896 originations. The 2nd most popular reason of loans were Cash Out Refi, with 896 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
Other 3,052 $1,361,430,000 $446,078 $0 0.00%

For the 2021, Farmers Bank & Trust's most frequently cited loan length of loans were Other, with 3,052 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$400k-600k 1,415 $695,985,000 $491,862 $0 0.00%
$200k-400k 930 $291,030,000 $312,935 $0 0.00%
$600k-1MM 475 $340,715,000 $717,295 $0 0.00%
$100k-200k 160 $24,000,000 $150,000 $0 0.00%
$100,000 or less 68 $4,600,000 $67,647 $0 0.00%
$1MM+ 4 $5,100,000 $1,275,000 $0 0.00%

2021 saw Farmers Bank & Trust place emphasis on $400k-600k loans with 1,415 originations, totaling $695,985,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 2,095 $954,985,000 $455,840 $0 0.00%
$150k-250k 406 $186,610,000 $459,631 $0 0.00%
$100k-150k 266 $108,960,000 $409,624 $0 0.00%
$250k+ 143 $69,435,000 $485,559 $0 0.00%
$75k-100k 86 $28,890,000 $335,930 $0 0.00%
$50k-75k 34 $7,730,000 $227,353 $0 0.00%

Farmers Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 2,095 originations. The second most popular income band? $150k-250k, with 406 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
Exempt% 3,052 $1,361,430,000 $446,078 $0 0.00%

Farmers Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 3,052 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,421 $594,055,000 $418,054 $0 0.00%
Not provided 805 $377,375,000 $468,789 $0 0.00%
Asian 583 $273,995,000 $469,974 $0 0.00%
Asian Indian 156 $78,400,000 $502,564 $0 0.00%
Black 25 $9,995,000 $399,800 $0 0.00%
Other Asian 14 $7,590,000 $542,143 $0 0.00%
American Indian 12 $4,520,000 $376,667 $0 0.00%
Not applicable 14 $4,200,000 $300,000 $0 0.00%
Filipino 6 $3,820,000 $636,667 $0 0.00%
Chinese 8 $3,740,000 $467,500 $0 0.00%
Korean 4 $1,980,000 $495,000 $0 0.00%
Japanese 2 $1,030,000 $515,000 $0 0.00%
2 $730,000 $365,000 $0 0.00%

Approval Rates

Total approvals of all applications
94.92%

Farmers Bank & Trust has an average approval rate.

Pick Rate

Approvals leading to origination
53.51%

Farmers Bank & Trust has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
Exempt 3,052 $1,361,430,000 $446,078

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
3,052 $1,361,430,000 $446,078

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Farmers Bank & Trust 1017 Harrison Street Great Bend, KS 67530 Full Service B&M $489,993
Farmers Bank & Trust 102 West 6th Street Larned, KS 67550 Full Service B&M $40,458
Farmers Bank & Trust 108 South Main Street Bazine, KS 67516 Full Service B&M $21,993
Farmers Bank & Trust 14231 Metcalf Avenue Overland Park, KS 66223 Full Service B&M $89,109
Farmers Bank & Trust 15325 South Lone Elm Road Olathe, KS 66061 Full Service B&M $6,532
Farmers Bank & Trust 1612 Main Street Great Bend, KS 67530 Full Service B&M $6,323
Farmers Bank & Trust 616 Colony Avenue Kinsley, KS 67547 Full Service B&M $42,040
Farmers Bank & Trust 820 Main Street La Crosse, KS 67548 Full Service B&M $48,947
Farmers Bank & Trust Second Avenue And Main Street Albert, KS 67511 Full Service B&M $23,724

For 2021, Farmers Bank & Trust had 9 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $33,963
Net interest income $29,835
Total noninterest income $13,134
Gross Fiduciary activities income $0
Service charges on deposit accounts $1,017
Trading account gains and fees $0
Additional Noninterest Income $12,117
Pre-tax net operating income $17,210
Securities gains (or losses, -) $283
Income before extraordinary items $16,762
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $16,762
Minority interest net income $0
Net income $16,762
Sale, conversion, retirement of capital stock, net $0
Net operating income $16,490

Farmers Bank & Trust's gross interest income from loans was $33,963,000.
Farmers Bank & Trust's net interest income from loans was $29,835,000.
Farmers Bank & Trust's fee based income from loans was $1,017,000.
Farmers Bank & Trust's net income from loans was $16,762,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $4,128
Provision for credit losses $0
Total noninterest expense $25,759
Salaries and employee benefits $14,938
Premises and equipment expense $2,164
Additional noninterest expense $8,657
Applicable income taxes $731
Net charge-offs $-21
Cash dividends $3,971

Farmers Bank & Trust's interest expense for loans was $4,128,000.
Farmers Bank & Trust's payroll and benefits expense were $14,938,000.
Farmers Bank & Trust's property, plant and equipment expenses $2,164,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $692,201
Deposits held in domestic offices $692,201
Deposits by Individuals, partnerships, and corporations $529,421
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $133,921
Deposits by Commercial banks and other depository institutions in U.S. $28,859
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $247,149
Demand deposits $187,518
Nontransaction accounts $445,052
Money market deposit accounts (MMDAs) $123,502
Other savings deposits (excluding MMDAs) $77,945
Total time deposits $243,605
Total time and savings deposits $504,683
Noninterest-bearing deposits $163,455
Interest-bearing deposits $528,746
Retail deposits $522,941
IRAs and Keogh plan accounts $12,457
Brokered deposits $138,686
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $986,732
Cash & Balances due from depository institutions $85,362
Interest-bearing balances $70,907
Total securities $467,030
Federal funds sold & reverse repurchase $5,104
Net loans and leases $386,645
Loan and leases loss allowance $5,028
Trading account assets $0
Bank premises and fixed assets $3,502
Other real estate owned $3,560
Goodwill and other intangibles $696
All other assets $34,833

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $986,732
Total Liabilities $785,607
Total deposits $692,201
Interest-bearing deposits $528,746
Deposits held in domestic offices $692,201
% insured (estimated) $82
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $89,275
Subordinated debt $0
All other liabilities $4,131

Issued Loan Types

Type Value (in 000's)
Net loans and leases $386,645
Loan and leases loss allowance $5,028
Total loans and leases (domestic) $391,673
All real estate loans $299,811
Real estate loans in domestic offices $299,811
Construction and development loans $59,501
Residential 1-4 family construction $37,702
Other construction, all land development and other land $21,799
Loans secured by nonfarm nonresidential properties $85,215
Nonfarm nonresidential secured by owner-occupied properties $25,154
Commercial real estate & other non-farm, non-residential $60,061
Multifamily residential real estate $19,873
1-4 family residential loans $77,847
Farmland loans $57,375
Loans held in foreign offices $0
Farm loans $33,667
Commercial and industrial loans $14,739
To non-U.S. addressees $0
Loans to individuals $1,889
Credit card loans $0
Related Plans $0
Consumer Auto Loans $1,675
Other loans to individuals $214
All other loans & leases $41,567
Loans to foreign governments and official institutions $0
Other loans $36,760
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $2,480
Non 1-4 family restructured loans & leases $2,251
Total loans and leases (foreign) $0

Farmers Bank & Trust had $386,645,000 of loans outstanding in 2021. $299,811,000 of loans were in real estate loans. $59,501,000 of loans were in development loans. $19,873,000 of loans were in multifamily mortgage loans. $77,847,000 of loans were in 1-4 family mortgage loans. $33,667,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,675,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 146 $26,082 $178,644
Nonfarm, nonresidential loans - <$100k 55 $1,975 $35,909
Nonfarm, nonresidential loans - $100-250k 40 $5,519 $137,975
Nonfarm, nonresidential loans - $250k-1MM 51 $18,588 $364,471
Commercial & Industrial, US addressed loans - <$1MM 243 $11,657 $47,971
Commercial & Industrial, US addressed loans - <$100k 163 $3,273 $20,080
Commercial & Industrial, US addressed loans - $100-250k 51 $3,854 $75,569
Commercial & Industrial, US addressed loans - $250k-1MM 29 $4,530 $156,207
Farmland loans - <$1MM 319 $31,768 $99,586
Farmland loans - <$100k 157 $5,488 $34,955
Farmland loans - $100-250k 104 $12,907 $124,106
Farmland loans - $250k-1MM 58 $13,373 $230,569
Agriculture operations loans - <$1MM 351 $17,341 $49,405
Agriculture operations loans - <$100k 282 $6,501 $23,053
Agriculture operations loans - $100-250k 44 $4,506 $102,409
Agriculture operations loans - $250k-1MM 25 $6,334 $253,360