Farmers Bank & Trust Mortgage Rates, Fees & Info
Great Bend, KSLEI: 549300LLESTPOVRG3X73
Tax ID: 48-0216340
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Review & Overview
Farmers Bank & Trust is a smaller 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 by origination volume include: Los Angeles, Seattle, San Francisco, Washington, and Kansas City among others. We have data for 161 markets. (Some data included below & more in-depth data is available with an active subscription.)Farmers Bank & Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
1,570Origination Dollar Volume (All Markets)
$682,140,000Employee count
135Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 161 | $84,905,000 | $527,360 | $0 | 0.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 163 | $84,895,000 | $520,828 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 107 | $60,345,000 | $563,972 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 100 | $50,280,000 | $502,800 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 114 | $31,510,000 | $276,404 | $0 | 0.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 60 | $27,730,000 | $462,167 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 55 | $26,405,000 | $480,091 | $0 | 0.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 46 | $25,280,000 | $549,565 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 48 | $24,590,000 | $512,292 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 34 | $14,410,000 | $423,824 | $0 | 0.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 27 | $11,365,000 | $420,926 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 25 | $10,835,000 | $433,400 | $0 | 0.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 25 | $9,975,000 | $399,000 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 24 | $9,310,000 | $387,917 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 20 | $8,600,000 | $430,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 21 | $8,365,000 | $398,333 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 20 | $8,210,000 | $410,500 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 19 | $8,075,000 | $425,000 | $0 | 0.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 20 | $7,870,000 | $393,500 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 19 | $7,825,000 | $411,842 | $0 | 0.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 16 | $7,220,000 | $451,250 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 16 | $6,540,000 | $408,750 | $0 | 0.00% |
| Outside of Metro Areas | 43 | $6,445,000 | $149,884 | $0 | 0.00% |
| Great Bend, KS (FHA|USDA|VA) | 47 | $6,165,000 | $131,170 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $5,715,000 | $439,615 | $0 | 0.00% |
| BOULDER, CO (FHA|USDA|VA) | 10 | $5,080,000 | $508,000 | $0 | 0.00% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 10 | $4,660,000 | $466,000 | $0 | 0.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 11 | $4,625,000 | $420,455 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 12 | $4,610,000 | $384,167 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 10 | $4,480,000 | $448,000 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 10 | $4,220,000 | $422,000 | $0 | 0.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 10 | $4,040,000 | $404,000 | $0 | 0.00% |
| RICHMOND, VA (FHA|USDA|VA) | 8 | $3,250,000 | $406,250 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 10 | $3,120,000 | $312,000 | $0 | 0.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $2,735,000 | $390,714 | $0 | 0.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 5 | $2,655,000 | $531,000 | $0 | 0.00% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $2,575,000 | $367,857 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $2,480,000 | $413,333 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $2,190,000 | $365,000 | $0 | 0.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 5 | $2,175,000 | $435,000 | $0 | 0.00% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $0 | 0.00% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 5 | $1,995,000 | $399,000 | $0 | 0.00% |
| RENO, NV (FHA|USDA|VA) | 4 | $1,810,000 | $452,500 | $0 | 0.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $1,660,000 | $415,000 | $0 | 0.00% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $0 | 0.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $0 | 0.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $0 | 0.00% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $1,415,000 | $471,667 | $0 | 0.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $0 | 0.00% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $0 | 0.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $0 | 0.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $0 | 0.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $0 | 0.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $0 | 0.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $0 | 0.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $0 | 0.00% |
| BEND, OR (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $0 | 0.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $0 | 0.00% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $0 | 0.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $0 | 0.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $0 | 0.00% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $870,000 | $435,000 | $0 | 0.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $0 | 0.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $0 | 0.00% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $0 | 0.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $0 | 0.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $0 | 0.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $0 | 0.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $0 | 0.00% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $0 | 0.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $0 | 0.00% |
| YAKIMA, WA (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $0 | 0.00% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $0 | 0.00% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $0 | 0.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $0 | 0.00% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 0.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 0.00% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 0.00% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 0.00% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 0.00% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 0.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 0.00% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| Seneca, SC (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 0.00% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 0.00% |
| Heber, UT (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 0.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 0.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| Hailey, ID (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 0.00% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 0.00% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 0.00% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 0.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 0.00% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| NAPA, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| Hays, KS (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 0.00% |
| SALEM, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| CHICO, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Liberal, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Salem, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| McPherson, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Salina, KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,565 | $681,605,000 | $435,530 | $0 | 0.00% |
| USDA | 5 | $535,000 | $107,000 | $0 | 0.00% |
For 2020, Farmers Bank & Trust's most frequently originated type of loan was Conventional, with 1,565 originations. Their 2nd most popular type was USDA, with 5 originations.
Loan Reason
For 2020, Farmers Bank & Trust's most frequently cited loan purpose was Refi, with 1,105 originations. The 2nd most popular reason was Cash Out Refi, with 349 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 1,570 | $682,140,000 | $434,484 | $0 | 0.00% |
For 2020, Farmers Bank & Trust's most frequently cited loan duration was Other, with 1,570 originations.
Loan Sizing
2020 saw Farmers Bank & Trust place emphasis on $400k-600k loans with 818 originations, totaling $393,190,000 in origination value.
Applicant Income
Farmers Bank & Trust lent most frequently to those with incomes in the $150k-250k range, with 602 originations. The second most popular income band? $100k-150k, with 441 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 1,570 | $682,140,000 | $434,484 | $0 | 0.00% |
Farmers Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 1,570 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.64%
Farmers Bank & Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination41.66%
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 | 1,570 | $682,140,000 | $434,484 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 17 | $5,765,000 | $339,118 |
| Single Family (1-4 Units):Site-Built | 1,553 | $676,375,000 | $435,528 |
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 | $447,906 |
| Farmers Bank & Trust | 102 West 6th Street Larned, KS 67550 | Full Service B&M | $37,668 |
| Farmers Bank & Trust | 108 South Main Street Bazine, KS 67516 | Full Service B&M | $20,500 |
| Farmers Bank & Trust | 14231 Metcalf Avenue Overland Park, KS 66223 | Full Service B&M | $61,390 |
| Farmers Bank & Trust | 15325 South Lone Elm Road Olathe, KS 66061 | Full Service B&M | $4,645 |
| Farmers Bank & Trust | 1612 Main Street Great Bend, KS 67530 | Full Service B&M | $4,977 |
| Farmers Bank & Trust | 616 Colony Avenue Kinsley, KS 67547 | Full Service B&M | $36,346 |
| Farmers Bank & Trust | 820 Main Street La Crosse, KS 67548 | Full Service B&M | $40,284 |
| Farmers Bank & Trust | Second Avenue And Main Street Albert, KS 67511 | Full Service B&M | $20,104 |
For 2020, Farmers Bank & Trust had 9 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $34,798 |
| Net interest income | $28,559 |
| Total noninterest income | $18,002 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $956 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $17,046 |
| Pre-tax net operating income | $25,370 |
| Securities gains (or losses, -) | $-383 |
| Income before extraordinary items | $23,823 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $23,823 |
| Minority interest net income | $0 |
| Net income | $23,823 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $24,186 |
Farmers Bank & Trust's gross interest income from loans was $34,798,000.
Farmers Bank & Trust's net interest income from loans was $28,559,000.
Farmers Bank & Trust's fee based income from loans was $956,000.
Farmers Bank & Trust's net income from loans was $23,823,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $6,239 |
| Provision for credit losses | $400 |
| Total noninterest expense | $20,791 |
| Salaries and employee benefits | $12,433 |
| Premises and equipment expense | $1,894 |
| Additional noninterest expense | $6,464 |
| Applicable income taxes | $1,164 |
| Net charge-offs | $175 |
| Cash dividends | $5,971 |
Farmers Bank & Trust's interest expense for loans was $6,239,000.
Farmers Bank & Trust's payroll and benefits expense were $12,433,000.
Farmers Bank & Trust's property, plant and equipment expenses $1,894,000.
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 | 1.0% |
| 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 | $701,303 |
| Deposits held in domestic offices | $701,303 |
| Deposits by Individuals, partnerships, and corporations | $536,074 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $144,008 |
| Deposits by Commercial banks and other depository institutions in U.S. | $21,221 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $96,039 |
| Demand deposits | $64,006 |
| Nontransaction accounts | $605,264 |
| Money market deposit accounts (MMDAs) | $107,139 |
| Other savings deposits (excluding MMDAs) | $179,993 |
| Total time deposits | $318,132 |
| Total time and savings deposits | $637,297 |
| Noninterest-bearing deposits | $35,176 |
| Interest-bearing deposits | $666,127 |
| Retail deposits | $453,586 |
| IRAs and Keogh plan accounts | $13,080 |
| Brokered deposits | $211,126 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $987,109 |
| Cash & Balances due from depository institutions | $19,494 |
| Interest-bearing balances | $12,119 |
| Total securities | $432,123 |
| Federal funds sold & reverse repurchase | $5,074 |
| Net loans and leases | $484,148 |
| Loan and leases loss allowance | $5,007 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $3,697 |
| Other real estate owned | $3,708 |
| Goodwill and other intangibles | $6,424 |
| All other assets | $32,441 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $987,109 |
| Total Liabilities | $795,163 |
| Total deposits | $701,303 |
| Interest-bearing deposits | $666,127 |
| Deposits held in domestic offices | $701,303 |
| % insured (estimated) | $84 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $89,370 |
| Subordinated debt | $0 |
| All other liabilities | $4,490 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $484,148 |
| Loan and leases loss allowance | $5,007 |
| Total loans and leases (domestic) | $489,155 |
| All real estate loans | $387,105 |
| Real estate loans in domestic offices | $387,105 |
| Construction and development loans | $38,289 |
| Residential 1-4 family construction | $25,296 |
| Other construction, all land development and other land | $12,993 |
| Loans secured by nonfarm nonresidential properties | $87,084 |
| Nonfarm nonresidential secured by owner-occupied properties | $27,932 |
| Commercial real estate & other non-farm, non-residential | $59,152 |
| Multifamily residential real estate | $19,456 |
| 1-4 family residential loans | $184,444 |
| Farmland loans | $57,832 |
| Loans held in foreign offices | $0 |
| Farm loans | $35,659 |
| Commercial and industrial loans | $28,397 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $1,569 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $1,288 |
| Other loans to individuals | $281 |
| All other loans & leases | $36,425 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $31,659 |
| 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 | $2,922 |
| Non 1-4 family restructured loans & leases | $2,683 |
| Total loans and leases (foreign) | $0 |
Farmers Bank & Trust had $484,148,000 of loans outstanding in 2020. $387,105,000 of loans were in real estate loans. $38,289,000 of loans were in development loans. $19,456,000 of loans were in multifamily mortgage loans. $184,444,000 of loans were in 1-4 family mortgage loans. $35,659,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,288,000 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 | 169 | $29,008 | $171,645 |
| Nonfarm, nonresidential loans - <$100k | 66 | $2,303 | $34,894 |
| Nonfarm, nonresidential loans - $100-250k | 51 | $7,488 | $146,824 |
| Nonfarm, nonresidential loans - $250k-1MM | 52 | $19,217 | $369,558 |
| Commercial & Industrial, US addressed loans - <$1MM | 530 | $26,093 | $49,232 |
| Commercial & Industrial, US addressed loans - <$100k | 414 | $8,505 | $20,543 |
| Commercial & Industrial, US addressed loans - $100-250k | 73 | $7,658 | $104,904 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 43 | $9,930 | $230,930 |
| Farmland loans - <$1MM | 359 | $35,178 | $97,989 |
| Farmland loans - <$100k | 184 | $6,397 | $34,766 |
| Farmland loans - $100-250k | 112 | $14,987 | $133,813 |
| Farmland loans - $250k-1MM | 63 | $13,794 | $218,952 |
| Agriculture operations loans - <$1MM | 368 | $16,373 | $44,492 |
| Agriculture operations loans - <$100k | 299 | $6,362 | $21,278 |
| Agriculture operations loans - $100-250k | 44 | $4,011 | $91,159 |
| Agriculture operations loans - $250k-1MM | 25 | $6,000 | $240,000 |