This institution is no longer active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%

Is this bank safe?

FARMERS BANK AND TRUST COMPANY holds a Satisfactory CRA rating (2014), meets basic financial requirements (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%

Below avg for Small banks. Peer avg: 0.44%

ROE

4.10%

Risk-Based Capital

29.67%

Above avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA0.32%Peer avg: 0.44%▼ Below avg

Risk-Based Capital29.67%Peer avg: 23.03%▲ Above avg

Mortgage Denial Rate9.82%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	275	83.27%	9.82%
2020	364	90.11%	4.95%
2019	201	80.6%	10.45%
2018	189	79.89%	11.64%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jan 2014	Satisfactory	Small Bank
Nov 2008	Satisfactory	Small Bank
Sep 2003	Satisfactory	Small Bank

5 previous ratings locked — 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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