Garden Plain State Bank vs Farmers Bank&Trust
Side-by-side bank health comparison using FDIC financial data
Garden Plain State Bank (A) and Farmers Bank&Trust (A) are close on the BankHealth rubric. Asset bases: $149M versus $1.1B.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Garden Plain State Bank has a stronger Bank Health Score of 100/100 (A) compared to Farmers Bank&Trust at 99/100 (A), a difference of 1 points. Garden Plain State Bank holds a Tier 1 capital ratio of 24.21% and an NPL ratio of 0.00%.
| Metric | Garden Plain State Bank | Farmers Bank&Trust |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 99/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 24.2%* | 23.8% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 50.6% | 50.8%* |
| Return on Assets Profitability metric (above 1% is strong) | 2.7%* | 1.7% |
| Total Assets | $149M | $1.1B |
| Total Deposits | $128M | $763M |
| Location | Wichita, Kansas | Great Bend, Kansas |
Garden Plain State Bank has a stronger Bank Health Score of 100/100 (A) compared to Farmers Bank&Trust at 99/100 (A), a difference of 1 points. Garden Plain State Bank holds a Tier 1 capital ratio of 24.21% and an NPL ratio of 0.00%.