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Farmers Bank, Frankfort, Indiana, Inc., The

Frankfort, IN · Cert 12828

State charter, non-member · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

9

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

7

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers Bank, Frankfort, Indiana, Inc., The

Frankfort, IN · Cert 12828

State charter, non-member · 12 branches

Q2 2026

$1.1BAssets
$811.7MLoans
$936.0MDeposits
$96.2MEquity
Loan mix
83%RE $631.7M15%C&I $116.9M2%Consumer $12.4MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $695.3M26%Noninterest $240.7MQ2 2025Q2 2026

NIM

5.30%Q2 ’245.37%Q2 ’255.44%Q2 ’26+11%+2%

Non-interest income vs. expense

2.69%Q2 ’242.73%Q2 ’253.35%Q2 ’26-3%+26%

Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 0.4% share · #25 of 49 inst. · $0.4B of $91.8B

74.0% Clinton
1.1% Hamilton
3.6% Boone
0.9% Tipton

Executive Summary

  • Earnings: ROA of 0.52%, down 37 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.59% of loans (+24 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 9.97%, down 13 bps from a year ago.
  • Funding: loans stand at 86.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+6 bps YoY

Efficiency Ratio (YTD, annualized)

83.67%+1,312 bps YoY

Tier 1 Leverage Ratio

9.97%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.94%0.96%0.98%0.52%-37 bps
Return on Equity11.32%11.84%11.92%11.65%6.15%-516 bps
Net Interest Margin3.24%3.19%3.14%3.25%3.30%+6 bps
Efficiency Ratio70.55%68.76%68.08%68.37%83.67%+1,312 bps
Non-Interest Burden2.10%2.00%1.94%1.98%2.65%+55 bps
Growth
Asset Growth (YoY)11.61%12.38%9.99%7.36%3.29%-832 bps
Loan Growth (YoY)10.76%8.35%4.59%2.74%2.70%-807 bps
Deposit Growth (YoY)11.64%14.03%23.38%13.34%9.73%-191 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.34%0.35%0.59%0.59%+24 bps
Net Charge-Offs / Loans0.08%0.05%0.06%0.02%0.05%-4 bps
Allowance / Loans1.30%1.34%1.32%1.37%1.36%+6 bps
Allowance Coverage of NPLs3.7x3.9x3.8x2.3x2.3x-1.4x
Capital
Tier 1 Leverage Ratio10.10%9.91%9.86%10.03%9.97%-13 bps
Total Risk-Based Capital10.10%9.91%9.86%10.03%9.97%-13 bps
Equity / Assets7.87%8.25%8.38%8.48%8.46%+60 bps
Liquidity & Funding
Loans / Deposits92.66%89.23%87.75%86.17%86.72%-594 bps
Liquid Assets / Assets4.81%5.58%5.49%5.08%3.87%-94 bps
CRE / Total Capitaln/a451%453%437%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers Bank, Frankfort, Indiana, Inc., The

Frankfort, IN · Cert 12828 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)

State charter, non-member · 12 branches

Q2 2026

$1.1BAssets
$811.7MLoans
$936.0MDeposits
$96.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 45% of banks $1B-$10B in assets operating in a single state (rank 142 of 258).
  • Widest gap: total risk-based capital ratio trails 93% of banks $1B-$10B in assets operating in a single state (rank 240 of 258).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.52%

Rank 240 of 258

Net Interest Margin

3.30%

Rank 171 of 258

Efficiency Ratio

83.67%

Rank 240 of 257

Equity / Assets

8.46%

Rank 225 of 258

Non-interest income vs. expense

$7.9M$37.7MINCOMEEXPENSE
Unfavorable gap of $29.8M · efficiency ratio beats 7% of banks $1B-$10B in assets operating in a single state
Bank 83.67%Peer median 60.3%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.52%0.93%1.23%1.54%Beats 7%240 / 258
Return on Equity6.12%9.26%11.84%14.74%Beats 10%231 / 258
Net Interest Margin3.30%3.16%3.49%3.88%Beats 34%171 / 258
Efficiency Ratio83.67%51.71%60.30%69.65%Beats 7%240 / 257
Asset Quality
Nonperforming Loans / Loans0.59%0.19%0.46%0.90%Beats 36%167 / 258
Net Charge-Offs / Loans0.03%0.01%0.02%0.07%Beats 45%142 / 258
Capital
Tier 1 Capital Ratio9.97%11.41%12.98%15.12%Beats 7%240 / 258
Total Risk-Based Capital Ratio9.97%12.10%13.91%16.08%Beats 7%240 / 258
Equity / Assets8.46%9.09%10.24%11.72%Beats 13%225 / 258
Liquidity & Funding
Loans / Deposits86.72%73.24%86.34%95.95%52nd pctl124 / 258
Loans / Assets71.44%63.01%72.27%78.40%48th pctl134 / 258
Brokered Deposits / Depositsn/aNot reported for this institution