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This institution is no longer active

Operations ceased on April 6, 2015. CRA examination history below reflects the period it was active.

FARMERS BANK AND TRUST COMPANY

NEBRASKA CITY, NE · Supervised by FDIC

Est. 1884FDIC #17,339RSSD: FDIC-17339
Part ofFARMERS BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2014

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.32%

Institution Profile

FDIC BankFind

Address

202 South Eighth Street, NEBRASKA CITY, NE

County

Otoe County

Established

September 1, 1884

Total Assets

$56M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2014

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 12 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2015Call Report / FDIC

Total Assets

$56M

Total Deposits

$51M

Net Loans

$10M

Net Income

$45K

ROA

0.32%

ROE

4.10%

Risk-Based Capital

29.67%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.82%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202427583.27%9.82%
202331986.83%4.70%
202245393.38%2.87%
202138387.21%5.22%
202036490.11%4.95%
201920180.6%10.45%
201818979.89%11.64%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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