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The Farmers National Bank of Danville

$100M-$1B Specialty: Commercial KY FDIC cert 2740

Danville, KY

15 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 -6.7% year over year ($848.0M on the books).
  • Delinquency rate 1.80%.
  • Return on assets 1.33%.
  • Efficiency ratio 63.53% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.21% 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 National Bank of Danville has 3 strengths but faces 6 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 12.6% in tier
  • + Net Interest Margin 0.48% above tier average
  • + Efficiency Ratio 0.95% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 7.8% in tier
  • - Liquidity Strain: Bottom 27.1% in tier
  • - Capital Constraint: Bottom 29.9% in tier
  • - Margin Compression: Bottom 33.2% in tier
  • - Flatlined Growth: Bottom 43.7% in tier
  • - Delinquency Rate 0.89% above tier average
Get updates when The Farmers National Bank of Danville releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $989.8M
-1.1% YoY +0.7% QoQ
+$603.3M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Top 0.4% in tier
Total Loans ? $790.4M
+4.9% YoY +0.8% QoQ
+$532.1M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Top 0.4% in tier
Total Deposits ? $848.0M
-6.7% YoY -1.6% QoQ
+$521.2M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Top 0.6% in tier
Return on Assets ? 1.33%
-13.0% YoY +24.9% QoQ
+0.01% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 4.47%
+10.9% YoY +0.7% QoQ
+0.48% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 63.53%
+1.9% YoY +1.7% QoQ
-0.95% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 1.80%
+358.3% YoY +11.1% QoQ
+0.89% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Bottom 14.5% in tier
Loan-to-Deposit Ratio ? 93.21%
+12.4% YoY +2.5% QoQ
+15.26% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 17.51%
-8.3% YoY -10.2% QoQ
-4.52% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 1.44%
+370.9% YoY +10.5% QoQ
+0.77% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Bottom 12.7% in tier
Tier 1 Capital Ratio ? 13.52%
+6.7% YoY +2.9% QoQ
-2.39% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.88%
+10.9% YoY +101.2% QoQ
+0.32% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
Top 4.1% 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 17.5%
-1.6pp YoY
-2.0pp QoQ
 -4.6pp 22.1% 23.5% 22.2% 34%
Brokered Deposits 6.0%
-3.0pp YoY
+3.8pp QoQ
 -1.8pp 7.9% 5.4% 8.5% 59%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 7.3%
-0.9pp YoY
-0.2pp QoQ
 -4.2pp 11.6% 8.6% 12.5% 35%
CRE 37.5%
-1.9pp YoY
-0.6pp QoQ
 -2.1pp 39.5% 37.1% 41.4% 48%
1-4 Family 41.9%
+1.8pp YoY
0.0pp QoQ
 +9.3pp 32.6% 41.6% 31.3% 73%
Consumer 1.6%
+0.3pp YoY
+0.2pp QoQ
 -2.5pp 4.1% 4.8% 5.0% 41%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 13.5%
+0.8pp YoY
+0.4pp QoQ
 -5.3pp 18.8% 20.2% 19.7% 34%
Leverage Ratio 10.6%
+1.2pp YoY
+0.2pp QoQ
 -1.6pp 12.2% 14.0% 12.6% 43%
Total Capital Ratio 14.8%
+0.9pp YoY
+0.4pp QoQ
 -5.2pp 19.9% 21.3% 20.8% 35%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 220
+18 (+8.9%) YoY
+1 (+0.5%) QoQ
 +161 58 105 482 99%
Assets per Employee ($) $4.5M
-9.2% YoY
+0.2% QoQ
 -$3.0M $7.5M $6.3M $8.8M 8%
Branch Count 15
0 YoY
0 QoQ
 +10 4 8 18 98%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 0%
Nonaccrual 1.8%
+1.4pp YoY
+0.2pp QoQ
 +0.9pp 0.9% 0.8% 1.0% 85%
Allowance Coverage 0.87x
-74.0% YoY
-9.4% QoQ
 -23.29x 24.15x 7.45x 20.23x 23%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 61%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 13.8%
-4.8pp YoY
+2.6pp QoQ
 +1.6pp 12.2% 13.3% 11.6% 61%
Cost of Funds (YTD) 1.3%
-0.6pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 26%
Net Income ($, YTD) $6.6M
-12.4% YoY
— QoQ
 +$4.0M $2.6M $5.1M $40.4M 94%

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
#84 of 661 • Top 12.6% 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: 0.88%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.33%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (5)

Deposit Outflow

decline
#43 of 535 • Bottom 7.8% 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 improving

Liquidity Strain

risk
#188 of 691 • Bottom 27.1% 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: 93.21%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Constraint

risk
#33 of 107 • Bottom 29.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 93.21%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 13.52%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

Margin Compression

decline
#103 of 307 • Bottom 33.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.33%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#232 of 529 • Bottom 43.7% 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: 1.33%
(Tier: 1.32%, National: 1.30%)
better than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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)

11
Total Assets
size
Value: $989.83M
Peer Median: $386.57M
#11 of 2643 Top 0.4% in $100M-$1B
12
Total Loans
size
Value: $790.43M
Peer Median: $258.35M
#12 of 2643 Top 0.4% in $100M-$1B
16
Total Deposits
size
Value: $847.97M
Peer Median: $326.73M
#16 of 2643 Top 0.6% in $100M-$1B
110
Non-Interest Income / Assets
revenue_mix
Value: 0.88%
Peer Median: 0.57%
#110 of 2643 Top 4.1% in $100M-$1B
569
Net Interest Margin
profitability
Value: 4.47%
Peer Median: 3.99%
#569 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (3 metrics)

2308
Nonperforming Asset Ratio
credit_quality
Value: 1.44%
Peer Median: 0.67%
#2308 of 2643 Bottom 12.7% in $100M-$1B
2252
Delinquency Rate
credit_quality
Value: 1.80%
Peer Median: 0.92%
#2252 of 2633 Bottom 14.5% in $100M-$1B
2122
Loan-to-Deposit Ratio
liquidity
Value: 93.21%
Peer Median: 77.95%
#2122 of 2643 Bottom 19.8% in $100M-$1B
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