Farmers Bank, Frankfort, Indiana, Inc., The
Frankfort, IN · Cert 12828 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267)
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 44% of banks $1B-$10B in assets operating in a single state (rank 150 of 267).
- Widest gap: return on assets trails 94% of banks $1B-$10B in assets operating in a single state (rank 250 of 267).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.52%
Rank 250 of 267
Net Interest Margin
3.30%
Rank 177 of 267
Efficiency Ratio
83.67%
Rank 249 of 266
Equity / Assets
8.46%
Rank 237 of 267
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.93% | 1.23% | 1.55% | Beats 6% | 250 / 267 | | |
| Return on Equity | 6.12% | 9.16% | 11.84% | 14.56% | Beats 10% | 240 / 267 | | |
| Net Interest Margin | 3.30% | 3.12% | 3.50% | 3.88% | Beats 34% | 177 / 267 | | |
| Efficiency Ratio | 83.67% | 51.36% | 60.21% | 69.66% | Beats 7% | 249 / 266 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.19% | 0.46% | 0.89% | Beats 36% | 172 / 267 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.06% | Beats 44% | 150 / 267 | | |
| Capital |
| Tier 1 Capital Ratio | 9.97% | 11.29% | 13.05% | 15.13% | Beats 7% | 247 / 267 | | |
| Total Risk-Based Capital Ratio | 9.97% | 11.95% | 13.87% | 16.27% | Beats 7% | 247 / 267 | | |
| Equity / Assets | 8.46% | 9.18% | 10.29% | 11.76% | Beats 11% | 237 / 267 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.72% | 72.68% | 86.16% | 95.22% | 53rd pctl | 126 / 267 | | |
| Loans / Assets | 71.44% | 62.46% | 71.96% | 78.38% | 49th pctl | 137 / 267 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |