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Kentucky Farmers Bank Corporation

$100M-$1B Specialty: Other KY FDIC cert 267

Catlettsburg, KY

5 branches across KY · OH

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 +5.7% year over year ($276.1M on the books).
  • Delinquency rate 0.44%.
  • Return on assets 2.12%.
  • Efficiency ratio 58.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 60.15% 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) →

Kentucky Farmers Bank Corporation 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 31.2% in tier
  • + Profitability Leader: Top 42.4% in tier
  • + Net Interest Margin 0.32% above tier average
  • + Efficiency Ratio 6.29% below tier average
  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 20.5% in tier
  • - Liquidity Overhang: Bottom 30.2% in tier
  • - Credit Quality Pressure: Bottom 42.6% in tier
Get updates when Kentucky Farmers Bank Corporation releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $328.5M
+6.8% YoY +2.8% QoQ
-$58.1M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
51%
Total Loans ? $166.1M
+3.1% YoY +1.0% QoQ
-$92.3M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $276.1M
+5.7% YoY +2.1% QoQ
-$50.6M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 2.12%
+10.4% YoY +4.3% QoQ
+0.80% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Top 10.7% in tier
Net Interest Margin ? 4.30%
+1.2% YoY +1.6% QoQ
+0.32% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
71%
Efficiency Ratio ? 58.19%
-0.2% YoY -4.6% QoQ
-6.29% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 0.44%
+207.7% YoY +165.1% QoQ
-0.48% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 60.15%
-2.6% YoY -1.1% QoQ
-17.81% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 25.38%
+14.9% YoY -3.2% QoQ
+3.35% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.22%
+98.5% YoY +101.6% QoQ
-0.45% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
59%
Tier 1 Capital Ratio ? 27.32%
+2.4% YoY +2.1% QoQ
+11.41% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Top 5.2% in tier
Non-Interest Income / Assets ? 0.43%
+20.5% YoY +99.2% QoQ
-0.13% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
Top 12.2% in tier

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 25.4%
+3.3pp YoY
-0.8pp QoQ
 +3.2pp 22.1% 23.5% 22.2% 67%
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 6.7%
-2.0pp YoY
-0.6pp QoQ
 -4.9pp 11.6% 8.6% 12.5% 31%
CRE 32.4%
+1.5pp YoY
-0.5pp QoQ
 -7.2pp 39.5% 37.1% 41.4% 39%
1-4 Family 52.3%
+4.9pp YoY
+2.7pp QoQ
 +19.7pp 32.6% 41.6% 31.3% 84%
Consumer 5.7%
-2.1pp YoY
+0.1pp QoQ
 +1.5pp 4.1% 4.8% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 27.3%
+0.6pp YoY
+0.6pp QoQ
 +8.5pp 18.8% 20.2% 19.7% 91%
Leverage Ratio 15.7%
+0.1pp YoY
+0.4pp QoQ
 +3.5pp 12.2% 14.0% 12.6% 90%
Total Capital Ratio 28.2%
+0.6pp YoY
+0.6pp QoQ
 +8.3pp 19.9% 21.3% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 73
+5 (+7.4%) YoY
+3 (+4.3%) QoQ
 +14 58 105 482 73%
Assets per Employee ($) $4.5M
-0.5% YoY
-1.4% QoQ
 -$3.0M $7.5M $6.3M $8.8M 8%
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 0.3%
+0.2pp YoY
+0.3pp QoQ
 0.0pp 0.3% 0.3% 0.4% 73%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 24%
Allowance Coverage 2.32x
-68.2% YoY
-62.1% QoQ
 -21.84x 24.15x 7.45x 20.23x 52%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 67%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 13.8%
+0.7pp YoY
+0.5pp QoQ
 +1.6pp 12.2% 13.3% 11.6% 61%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 15%
Net Income ($, YTD) $3.5M
+17.7% YoY
— QoQ
 +$906K $2.6M $5.1M $40.4M 75%

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 (2)

Revenue Diversifier

growth
#207 of 661 • Top 31.2% 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: 0.43%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.12%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#281 of 661 • Top 42.4% in tier

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

Why this signature
Return on Assets: 2.12%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#193 of 936 • Bottom 20.5% 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

Liquidity Overhang

risk
#225 of 742 • Bottom 30.2% 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: 27.32%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 60.15%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#536 of 1256 • Bottom 42.6% in tier

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

Why this signature
Delinquency Rate: 0.44%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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 (4 metrics)

139
Tier 1 Capital Ratio
capital
Value: 27.32%
Peer Median: 15.91%
#139 of 2643 Top 5.2% in $100M-$1B
284
Return on Assets
profitability
Value: 2.12%
Peer Median: 1.32%
#284 of 2643 Top 10.7% in $100M-$1B
324
Non-Interest Income / Assets
revenue_mix
Value: 0.43%
Peer Median: 0.57%
#324 of 2643 Top 12.2% in $100M-$1B
460
Loan-to-Deposit Ratio
liquidity
Value: 60.15%
Peer Median: 77.95%
#460 of 2643 Top 17.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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