BlastPoint's Banking Scorecard
The Farmers Bank
Nicholasville, KY
4 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 +18.9% year over year ($250.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.03%.
- Efficiency ratio 59.55% vs a 64.48% peer average.
- Loan-to-deposit ratio 71.57% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 29.9% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 4.93% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Net Interest Margin 0.65% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$282.7M
+15.1% YoY
+4.3% QoQ
|
-$103.9M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
43% |
| Total Loans ? |
$179.4M
+0.6% YoY
-0.5% QoQ
|
-$78.9M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$250.7M
+18.9% YoY
+4.5% QoQ
|
-$76.1M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
1.03%
+11.8% YoY
+5.5% QoQ
|
-0.29% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
3.34%
-0.3% YoY
-0.3% QoQ
|
-0.65% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
59.55%
-6.8% YoY
-3.6% QoQ
|
-4.93% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
71.57%
-15.3% YoY
-4.8% QoQ
|
-6.39% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
25.92%
-5.6% YoY
+1.5% QoQ
|
+3.89% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
19.28%
+10.2% YoY
+3.3% QoQ
|
+3.37% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.16%
+10.9% YoY
+104.2% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
39% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
25.9%
-1.5pp YoY +0.4pp QoQ |
+3.8pp | 22.1% | 23.5% | 22.2% | 69% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.3%
-0.2pp YoY -0.3pp QoQ |
-6.2pp | 11.6% | 8.6% | 12.5% | 22% |
| CRE |
32.0%
-1.5pp YoY -0.7pp QoQ |
-7.5pp | 39.5% | 37.1% | 41.4% | 38% |
| 1-4 Family |
58.0%
+2.2pp YoY +1.8pp QoQ |
+25.4pp | 32.6% | 41.6% | 31.3% | 88% |
| Consumer |
1.7%
+0.2pp YoY -0.1pp QoQ |
-2.4pp | 4.1% | 4.8% | 5.0% | 43% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.3%
+1.8pp YoY +0.6pp QoQ |
+0.5pp | 18.8% | 20.2% | 19.7% | 75% |
| Leverage Ratio |
11.0%
-0.2pp YoY -0.1pp QoQ |
-1.2pp | 12.2% | 14.0% | 12.6% | 50% |
| Total Capital Ratio |
20.5%
+1.8pp YoY +0.6pp QoQ |
+0.6pp | 19.9% | 21.3% | 20.8% | 76% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
33
+1 (+3.1%) YoY 0 QoQ |
-26 | 58 | 105 | 482 | 31% |
| Assets per Employee ($) |
$8.6M
+11.6% YoY +4.3% QoQ |
+$1.0M | $7.5M | $6.3M | $8.8M | 75% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 8 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 7.45x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | 0.1% | -0.1pp | 0.1% | 0.1% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
+1.0pp YoY +0.5pp QoQ |
-2.5pp | 12.2% | 13.3% | 11.6% | 35% |
| Cost of Funds (YTD) |
1.9%
+0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 63% |
| Net Income ($, YTD) |
$1.4M
+24.8% YoY — QoQ |
-$1.1M | $2.6M | $5.1M | $40.4M | 39% |
Get Full Access to The Farmers Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.