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The Farmers Bank of Milton

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

Milton, KY

5 branches across KY · IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits -1.2% year over year ($253.4M on the books).
  • Delinquency rate 1.27%.
  • Return on assets 0.66%.
  • Efficiency ratio 71.92% vs a 64.48% peer average.
  • Loan-to-deposit ratio 81.03% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (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 5.1% in tier
  • - Deposit Outflow: Bottom 28.6% in tier
  • - Liquidity Overhang: Bottom 38.7% in tier
  • - ROA 0.67% below tier average
  • - Net Interest Margin 0.90% below tier average
  • - Efficiency Ratio 7.44% above tier average
  • - Delinquency Rate 0.35% above tier average
Get updates when The Farmers Bank of Milton releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $305.1M
-1.8% YoY -2.5% QoQ
-$81.4M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $205.3M
-1.9% YoY -2.2% QoQ
-$53.0M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $253.4M
-1.2% YoY -1.2% QoQ
-$73.4M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 0.66%
+31.4% YoY +7.1% QoQ
-0.67% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 3.09%
+7.7% YoY +2.3% QoQ
-0.90% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 12.3% in tier
Efficiency Ratio ? 71.92%
-9.2% YoY -2.5% QoQ
+7.44% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 1.27%
+63.4% YoY +0.8% QoQ
+0.35% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
23%
Loan-to-Deposit Ratio ? 81.03%
-0.7% YoY -1.1% QoQ
+3.08% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
47%
Non-Interest-Bearing Deposit Share ? 22.47%
-7.8% YoY +0.2% QoQ
+0.44% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 0.85%
+63.1% YoY +1.0% QoQ
+0.18% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
25%
Tier 1 Capital Ratio ? 19.43%
+6.5% YoY +4.7% QoQ
+3.52% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
85%
Non-Interest Income / Assets ? 0.13%
-1.2% YoY +116.0% QoQ
-0.44% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
28%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 22.5%
-1.9pp YoY
0.0pp QoQ
 +0.3pp 22.1% 23.5% 22.2% 56%
Brokered Deposits 3.9%
0.0pp YoY
0.0pp QoQ
 -3.9pp 7.9% 5.4% 8.5% 45%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 3.8%
-0.5pp YoY
+0.1pp QoQ
 -7.8pp 11.6% 8.6% 12.5% 13%
CRE 26.1%
-1.2pp YoY
-2.2pp QoQ
 -13.5pp 39.5% 37.1% 41.4% 28%
1-4 Family 63.8%
+3.0pp YoY
+2.1pp QoQ
 +31.2pp 32.6% 41.6% 31.3% 92%
Consumer 2.3%
-0.5pp YoY
+0.1pp QoQ
 -1.8pp 4.1% 4.8% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 19.4%
+1.2pp YoY
+0.9pp QoQ
 +0.6pp 18.8% 20.2% 19.7% 75%
Leverage Ratio 12.6%
+0.6pp YoY
+0.1pp QoQ
 +0.4pp 12.2% 14.0% 12.6% 71%
Total Capital Ratio 20.2%
+1.2pp YoY
+0.9pp QoQ
 +0.3pp 19.9% 21.3% 20.8% 75%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 47
-2 (-4.1%) YoY
-1 (-2.1%) QoQ
 -12 58 105 482 49%
Assets per Employee ($) $6.5M
+2.4% YoY
-0.4% QoQ
 -$1.0M $7.5M $6.3M $8.8M 43%
Branch Count 5
0 YoY
0 QoQ
 0 4 8 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 1.3%
+0.5pp YoY
0.0pp QoQ
 +0.3pp 0.9% 0.8% 1.0% 77%
Allowance Coverage 0.65x
-34.4% YoY
+0.5% QoQ
 -23.50x 24.15x 7.45x 20.23x 16%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 71%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 7.0%
+0.9pp YoY
+0.4pp QoQ
 -5.2pp 12.2% 13.3% 11.6% 21%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 78%
Net Income ($, YTD) $1.0M
+30.9% YoY
— QoQ
 -$1.5M $2.6M $5.1M $40.4M 27%

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 (3)

Flatlined Growth

risk
#28 of 529 • Bottom 5.1% 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: 0.66%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#154 of 535 • Bottom 28.6% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#288 of 742 • Bottom 38.7% 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: 19.43%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 81.03%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

398
Tier 1 Capital Ratio
capital
Value: 19.43%
Peer Median: 15.91%
#398 of 2643 Top 15.0% in $100M-$1B

Top Weaknesses (4 metrics)

2318
Net Interest Margin
profitability
Value: 3.09%
Peer Median: 3.99%
#2318 of 2643 Bottom 12.3% in $100M-$1B
2191
Return on Assets
profitability
Value: 0.66%
Peer Median: 1.32%
#2191 of 2643 Bottom 17.1% in $100M-$1B
2033
Delinquency Rate
credit_quality
Value: 1.27%
Peer Median: 0.92%
#2033 of 2633 Bottom 22.8% in $100M-$1B
1994
Nonperforming Asset Ratio
credit_quality
Value: 0.85%
Peer Median: 0.67%
#1994 of 2643 Bottom 24.6% in $100M-$1B
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