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 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 by origination volume include: Seattle, Washington, Los Angeles, San Francisco, and New York among others. We have data for 193 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.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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Originations
3,052Origination Dollar Volume (All Markets)
$1,361,430,000Employee count
128Top 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 |
|---|---|---|---|---|---|
| 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, KY (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% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 3,041 | $1,360,495,000 | $447,384 | $0 | 0.00% |
| USDA | 11 | $935,000 | $85,000 | $0 | 0.00% |
For 2021, Farmers Bank & Trust's most frequently originated type of loan was Conventional, with 3,041 originations. Their 2nd most popular type was USDA, with 11 originations.
Loan Reason
For 2021, Farmers Bank & Trust's most frequently cited loan purpose was Refi, with 1,896 originations. The 2nd most popular reason was 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 2021, Farmers Bank & Trust's most frequently cited loan duration was Other, with 3,052 originations.
Loan Sizing
2021 saw Farmers Bank & Trust place emphasis on $400k-600k loans with 1,415 originations, totaling $695,985,000 in origination value.
Applicant Income
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
Approval Rates
Total approvals of all applications95.03%
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 origination55.77%
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 |