BlastPoint's Banking Scorecard
The Farmers National Bank of Lebanon
Lebanon, KY
2 branches across KY
The Farmers National Bank of Lebanon has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 23.6% in tier
- + Efficiency Ratio 0.81% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.9% in tier
- - ROA 0.28% below tier average
- - Net Interest Margin 0.12% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$162.6M
+15.6% YoY
+9.4% QoQ
|
-$223.5M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$109.9M
+29.1% YoY
+6.9% QoQ
|
-$145.8M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$145.6M
+15.4% YoY
+11.4% QoQ
|
-$182.4M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
0.99%
+2.6% YoY
-6.6% QoQ
|
-0.28% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
3.81%
+4.1% YoY
+0.5% QoQ
|
-0.12% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
64.48%
-6.1% YoY
-3.1% QoQ
|
-0.81% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? | 0.01% | -0.88% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
Top 12.9% in tier |
| Loan-to-Deposit Ratio ? |
75.49%
+11.9% YoY
-4.0% QoQ
|
-1.15% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
30.16%
-0.1% YoY
-2.3% QoQ
|
+8.14% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? | 0.00% | -0.63% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
Top 12.2% in tier |
| Tier 1 Capital Ratio ? |
11.29%
+0.5% YoY
-3.3% QoQ
|
-4.54% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.10%
-13.5% YoY
-78.1% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
54% |
Get Full Access to The Farmers National Bank of Lebanon
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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.