BlastPoint's Banking Scorecard
Farmers Bank and Trust Company
Princeton, 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 +5.8% year over year ($215.1M on the books).
- Delinquency rate 0.04%.
- Return on assets 1.63%.
- Efficiency ratio 58.31% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.48% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers Bank and Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.31% above tier average
- + Efficiency Ratio 6.17% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.06% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$247.8M
+11.3% YoY
+3.0% QoQ
|
-$138.8M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$186.0M
+12.7% YoY
+3.9% QoQ
|
-$72.3M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$215.1M
+5.8% YoY
-2.1% QoQ
|
-$111.6M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
1.63%
+19.1% YoY
+10.1% QoQ
|
+0.31% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
3.93%
+10.3% YoY
+2.4% QoQ
|
-0.06% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
50% |
| Efficiency Ratio ? |
58.31%
-8.1% YoY
-4.1% QoQ
|
-6.17% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
62% |
| Delinquency Rate ? |
0.04%
-67.3% YoY
+77.2% QoQ
|
-0.87% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
86.48%
+6.5% YoY
+6.1% QoQ
|
+8.53% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
20.55%
+1.3% YoY
+4.3% QoQ
|
-1.48% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.03%
-66.9% YoY
+78.7% QoQ
|
-0.64% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
9.46%
+0.8% YoY
+1.6% QoQ
|
-6.45% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 4.5% in tier |
| Non-Interest Income / Assets ? |
0.32%
-18.1% YoY
+97.9% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
75% |
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 |
20.6%
+0.3pp YoY +0.8pp QoQ |
-1.6pp | 22.1% | 23.5% | 22.2% | 48% |
| Brokered Deposits |
2.3%
+0.4pp YoY -1.3pp QoQ |
-5.5pp | 7.9% | 5.4% | 8.5% | 32% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.2%
+0.1pp YoY +0.7pp QoQ |
-6.4pp | 11.6% | 8.6% | 12.5% | 21% |
| CRE |
49.2%
-0.5pp YoY +2.2pp QoQ |
+9.7pp | 39.5% | 37.1% | 41.4% | 69% |
| 1-4 Family |
20.0%
-1.8pp YoY -2.9pp QoQ |
-12.6pp | 32.6% | 41.6% | 31.3% | 30% |
| Consumer |
0.8%
-0.3pp YoY -0.1pp QoQ |
-3.3pp | 4.1% | 4.8% | 5.0% | 25% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
9.5%
+0.1pp YoY +0.1pp QoQ |
-2.7pp | 12.2% | 14.0% | 12.6% | 20% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
42
+2 (+5.0%) YoY +2 (+5.0%) QoQ |
-17 | 58 | 105 | 482 | 44% |
| Assets per Employee ($) |
$5.9M
+6.0% YoY -1.9% QoQ |
-$1.6M | $7.5M | $6.3M | $8.8M | 31% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 8 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 31% |
| Nonaccrual |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 4% |
| Allowance Coverage |
29.37x
+214.3% YoY -43.1% QoQ |
+5.22x | 24.15x | 7.45x | 20.23x | 91% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
22.2%
+1.1pp YoY +1.7pp QoQ |
+10.0pp | 12.2% | 13.3% | 11.6% | 93% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 62% |
| Net Income ($, YTD) |
$2.0M
+29.9% YoY — QoQ |
-$568K | $2.6M | $5.1M | $40.4M | 52% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.