BlastPoint's Banking Scorecard

Farmers Bank and Trust Company

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

Marion, KY

10 branches across KY

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

Farmers Bank and Trust Company has 5 strengths but faces 3 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

+ Revenue Diversifier: Top 48.8% in tier
+ ROA 0.60% above tier average
+ Net Interest Margin 0.19% above tier average
+ Efficiency Ratio 8.90% below tier average
+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 23.1% in tier
- Credit Risk Growth: Bottom 46.4% in tier
- Liquidity Strain: Bottom 49.0% in tier

Get updates when Farmers Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$771.9M +9.0% YoY +1.6% QoQ	+$385.9M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Top 9.6% in tier
Total Loans ?	$642.0M +10.9% YoY +0.5% QoQ	+$386.3M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	Top 4.4% in tier
Total Deposits ?	$700.9M +8.6% YoY +11.4% QoQ	+$373.0M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	Top 6.7% in tier
Return on Assets ?	1.87% +20.5% YoY +14.3% QoQ	+0.60%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	4.12% +8.0% YoY +4.0% QoQ	+0.19%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	56.39% -5.1% YoY -3.7% QoQ	-8.90%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	70%
Delinquency Rate ?	0.23% +102.2% YoY -19.6% QoQ	-0.66%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	91.60% +2.1% YoY -9.8% QoQ	+14.96%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	13.85% -10.0% YoY -7.2% QoQ	-8.17%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	20%
Nonperforming Asset Ratio ?	0.19% +22.5% YoY -20.4% QoQ	-0.45%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	11.23% +1.6% YoY +4.5% QoQ	-4.61%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.17% +22.2% YoY -65.8% QoQ	-0.11%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	79%

Get Full Access to Farmers Bank and Trust Company

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Revenue Diversifier

growth

#326 of 666 • Top 48.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.17%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.87%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (3)

Credit Quality Pressure

risk

#303 of 1308 • Bottom 23.1% 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: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#452 of 973 • Bottom 46.4% 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

Liquidity Strain

risk

#316 of 643 • Bottom 49.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.60%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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).

Compare against:

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

Top Strengths (5 metrics)

119

Total Loans

size

Value: $642.02M

Peer Median: $255.72M

#119 of 2664 Top 4.4% in $100M-$1B

179

Total Deposits

size

Value: $700.93M

Peer Median: $327.97M

#179 of 2664 Top 6.7% in $100M-$1B

257

Total Assets

size

Value: $771.93M

Peer Median: $386.08M

#257 of 2664 Top 9.6% in $100M-$1B

424

Return on Assets

profitability

Value: 1.87%

Peer Median: 1.27%

#424 of 2664 Top 15.9% in $100M-$1B

550

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#550 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (2 metrics)

2133

Non-Interest-Bearing Deposit Share

funding

Value: 13.85%

Peer Median: 22.02%

#2133 of 2664 Bottom 20.0% in $100M-$1B

2092

Loan-to-Deposit Ratio

liquidity

Value: 91.60%

Peer Median: 76.64%

#2092 of 2664 Bottom 21.5% in $100M-$1B