BlastPoint's Banking Scorecard
Farmers Bank and Trust Company
Princeton, KY
4 branches across KY
Farmers Bank and Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.22% above tier average
- + Efficiency Ratio 4.48% below tier average
- + Delinquency Rate 0.86% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 36.3% in tier
- - Net Interest Margin 0.09% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$240.5M
+5.7% YoY
-0.3% QoQ
|
-$145.6M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$179.0M
+11.0% YoY
-1.0% QoQ
|
-$76.7M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
44% |
| Total Deposits ? |
$219.7M
+5.1% YoY
+2.8% QoQ
|
-$108.3M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
39% |
| Return on Assets ? |
1.48%
+24.0% YoY
+2.1% QoQ
|
+0.22% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
67% |
| Net Interest Margin ? |
3.84%
+14.0% YoY
+3.3% QoQ
|
-0.09% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
60.81%
-8.3% YoY
-2.5% QoQ
|
-4.48% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
0.02%
-66.1% YoY
-49.5% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
81.48%
+5.6% YoY
-3.7% QoQ
|
+4.84% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
19.71%
-2.4% YoY
-3.0% QoQ
|
-2.31% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.02%
-64.4% YoY
-49.9% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
9.31%
-0.5% YoY
+0.4% QoQ
|
-6.52% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.5% in tier |
| Non-Interest Income / Assets ? |
0.16%
-16.6% YoY
-76.8% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
77% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.