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
Unfavorable gap of $29.8M · efficiency ratio beats 7% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.93% | 1.23% | 1.54% | Beats 7% | 240 / 258 | |
| Return on Equity | 6.12% | 9.26% | 11.84% | 14.74% | Beats 10% | 231 / 258 | |
| Net Interest Margin | 3.30% | 3.16% | 3.49% | 3.88% | Beats 34% | 171 / 258 | |
| Efficiency Ratio | 83.67% | 51.71% | 60.30% | 69.65% | Beats 7% | 240 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.19% | 0.46% | 0.90% | Beats 36% | 167 / 258 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.07% | Beats 45% | 142 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 9.97% | 11.41% | 12.98% | 15.12% | Beats 7% | 240 / 258 | |
| Total Risk-Based Capital Ratio | 9.97% | 12.10% | 13.91% | 16.08% | Beats 7% | 240 / 258 | |
| Equity / Assets | 8.46% | 9.09% | 10.24% | 11.72% | Beats 13% | 225 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 86.72% | 73.24% | 86.34% | 95.95% | 52nd pctl | 124 / 258 | |
| Loans / Assets | 71.44% | 63.01% | 72.27% | 78.40% | 48th pctl | 134 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |