🏦Bank Scorer

FARMERS BANK & TRUST

ATWOOD, KS · Supervised by FDIC

Est. 1914FDIC #4,621RSSD: FDIC-4621
Part ofRAWLINS BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.17%

Institution Profile

FDIC BankFind

Address

101 S 4th St, ATWOOD, KS

County

Rawlins County

Established

January 1, 1914

Total Assets

$158M(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, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$158M

Total Deposits

$146M

Net Loans

$82M

Net Income

$476K

ROA

1.17%

ROE

16.55%

Risk-Based Capital

0.00%

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 Rate7.98%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$155M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,65648.34%7.98%
20232,26147.63%6.41%
202289047.3%10.00%
20215,06660.24%4.97%
20202,82255.63%4.36%
201917183.04%11.70%
201894087.23%5.96%

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 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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