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Farmers Bank and Trust Company

$100M-$1B Specialty: Commercial KY FDIC cert 12869

Marion, KY

10 branches across KY

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 +9.3% year over year ($699.2M on the books).
  • Delinquency rate 0.23%.
  • Return on assets 1.86%.
  • Efficiency ratio 56.53% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.71% 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) →

Farmers Bank and Trust Company has 4 strengths but faces 2 concerns

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

  • + Profitability Leader: Top 49.0% in tier
  • + Net Interest Margin 0.13% above tier average
  • + Efficiency Ratio 7.95% below tier average
  • + Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 18.6% in tier
  • - Credit Risk Growth: Bottom 49.4% in tier
Get updates when Farmers Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $794.0M
+12.6% YoY +2.9% QoQ
+$407.4M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Top 8.3% in tier
Total Loans ? $655.2M
+11.4% YoY +2.1% QoQ
+$396.9M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Top 3.8% in tier
Total Deposits ? $699.2M
+9.3% YoY -0.2% QoQ
+$372.5M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Top 6.9% in tier
Return on Assets ? 1.86%
+19.2% YoY -0.7% QoQ
+0.54% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
83%
Net Interest Margin ? 4.12%
+5.7% YoY +0.0% QoQ
+0.13% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 56.53%
-5.5% YoY +0.2% QoQ
-7.95% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
68%
Delinquency Rate ? 0.23%
+53.5% YoY -1.4% QoQ
-0.69% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 93.71%
+2.0% YoY +2.3% QoQ
+15.76% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 14.03%
-13.6% YoY +1.3% QoQ
-8.00% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
21%
Nonperforming Asset Ratio ? 0.19%
+23.5% YoY -2.1% QoQ
-0.48% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
62%
Tier 1 Capital Ratio ? 11.43%
+3.2% YoY +1.8% QoQ
-4.48% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.33%
+21.4% YoY +90.3% QoQ
-0.24% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
76%

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 14.0%
-2.2pp YoY
+0.2pp QoQ
 -8.1pp 22.1% 23.5% 22.2% 20%
Brokered Deposits 12.0%
+3.5pp YoY
-1.6pp QoQ
 +4.2pp 7.9% 5.4% 8.5% 80%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 6.2%
-2.6pp YoY
-0.7pp QoQ
 -5.4pp 11.6% 8.6% 12.5% 27%
CRE 38.1%
-0.1pp YoY
+0.2pp QoQ
 -1.4pp 39.5% 37.1% 41.4% 49%
1-4 Family 44.0%
+2.5pp YoY
+0.2pp QoQ
 +11.4pp 32.6% 41.6% 31.3% 76%
Consumer 3.2%
+0.1pp YoY
+0.3pp QoQ
 -0.9pp 4.1% 4.8% 5.0% 62%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 11.4%
+0.4pp YoY
+0.2pp QoQ
 -7.4pp 18.8% 20.2% 19.7% 11%
Leverage Ratio 9.2%
+0.1pp YoY
+0.1pp QoQ
 -2.9pp 12.2% 14.0% 12.6% 16%
Total Capital Ratio 12.2%
+0.4pp YoY
+0.2pp QoQ
 -7.8pp 19.9% 21.3% 20.8% 8%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 104
+1 (+1.0%) YoY
-1 (-1.0%) QoQ
 +45 58 105 482 88%
Assets per Employee ($) $7.6M
+11.5% YoY
+3.8% QoQ
 +$116K $7.5M $6.3M $8.8M 63%
Branch Count 10
0 YoY
0 QoQ
 +5 4 8 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.3% 0.4% 57%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 17%
Allowance Coverage 3.08x
-31.0% YoY
+4.0% QoQ
 -21.08x 24.15x 7.45x 20.23x 59%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 53%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 21.0%
+2.6pp YoY
-0.3pp QoQ
 +8.8pp 12.2% 13.3% 11.6% 90%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 79%
Net Income ($, YTD) $7.2M
+30.4% YoY
— QoQ
 +$4.7M $2.6M $5.1M $40.4M 96%

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 (1)

Profitability Leader

growth
#325 of 661 • Top 49.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.86%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#235 of 1256 • Bottom 18.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#463 of 936 • Bottom 49.4% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

101
Total Loans
size
Value: $655.25M
Peer Median: $258.35M
#101 of 2643 Top 3.8% in $100M-$1B
183
Total Deposits
size
Value: $699.22M
Peer Median: $326.73M
#183 of 2643 Top 6.9% in $100M-$1B
221
Total Assets
size
Value: $793.95M
Peer Median: $386.57M
#221 of 2643 Top 8.3% in $100M-$1B
452
Return on Assets
profitability
Value: 1.86%
Peer Median: 1.32%
#452 of 2643 Top 17.1% in $100M-$1B
628
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#628 of 2643 Top 23.7% in $100M-$1B

Top Weaknesses (2 metrics)

2150
Loan-to-Deposit Ratio
liquidity
Value: 93.71%
Peer Median: 77.95%
#2150 of 2643 Bottom 18.7% in $100M-$1B
2093
Non-Interest-Bearing Deposit Share
funding
Value: 14.03%
Peer Median: 22.03%
#2093 of 2643 Bottom 20.8% in $100M-$1B
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