BlastPoint's Banking Scorecard

The Farmers Bank of Milton

$100M-$1B Specialty: Other KY FDIC cert 12163

Milton, KY

5 branches across KY · IN

2664 banks in the $100M-$1B peer group nationally 88 in KY

The Farmers Bank of Milton faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 15.4% in tier
- Credit Risk Growth: Bottom 18.2% in tier
- Deposit Outflow: Bottom 28.3% in tier
- Liquidity Overhang: Bottom 40.9% in tier
- ROA 0.66% below tier average
- Net Interest Margin 0.91% below tier average
- Efficiency Ratio 8.45% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$312.9M +0.1% YoY +0.0% QoQ	-$73.2M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$210.0M +0.9% YoY -0.4% QoQ	-$45.7M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	51%
Total Deposits ?	$256.3M -1.0% YoY +0.4% QoQ	-$71.6M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	46%
Return on Assets ?	0.61% +34.7% YoY +0.9% QoQ	-0.66%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	3.02% +6.9% YoY +2.3% QoQ	-0.91%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	Bottom 12.1% in tier
Efficiency Ratio ?	73.74% -9.5% YoY -4.4% QoQ	+8.45%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	25%
Delinquency Rate ?	1.26% +57.8% YoY +16.1% QoQ	+0.37%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	23%
Loan-to-Deposit Ratio ?	81.91% +1.9% YoY -0.8% QoQ	+5.27%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	22.43% -8.9% YoY +1.2% QoQ	+0.41%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	56%
Nonperforming Asset Ratio ?	0.84% +59.0% YoY +15.7% QoQ	+0.21%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	18.55% +3.6% YoY -0.7% QoQ	+2.72%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.06% -4.6% YoY -77.9% QoQ	-0.22%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	26%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Flatlined Growth

risk

#80 of 512 • Bottom 15.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.61%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#178 of 973 • Bottom 18.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#144 of 506 • Bottom 28.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#303 of 739 • Bottom 40.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.55%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 81.91%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

461

Tier 1 Capital Ratio

capital

Value: 18.55%

Peer Median: 15.83%

#461 of 2664 Top 17.3% in $100M-$1B

Top Weaknesses (5 metrics)

2342

Net Interest Margin

profitability

Value: 3.02%

Peer Median: 3.93%

#2342 of 2664 Bottom 12.1% in $100M-$1B

2221

Return on Assets

profitability

Value: 0.61%

Peer Median: 1.27%

#2221 of 2664 Bottom 16.7% in $100M-$1B

2042

Delinquency Rate

credit_quality

Value: 1.26%

Peer Median: 0.89%

#2042 of 2654 Bottom 23.1% in $100M-$1B

2022

Nonperforming Asset Ratio

credit_quality

Value: 0.84%

Peer Median: 0.64%

#2022 of 2664 Bottom 24.1% in $100M-$1B

2009

Efficiency Ratio

profitability

Value: 73.74%

Peer Median: 65.29%

#2009 of 2664 Bottom 24.6% in $100M-$1B