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Farmers Bank & Trust Company

Marion, KY · Cert 12869 · Farmers Bcorp Inc. of Marion KY

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

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 under $1B in assets in KY (n=69). 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

29

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

67

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 & Trust Company

Marion, KY · Cert 12869 · Farmers Bcorp Inc. of Marion KY

State charter, non-member · FDIC · 10 branches

Q2 2026

$794.0MAssets
$659.8MLoans
$699.2MDeposits
$71.0MEquity
Loan mix
90%RE $575.3M7%C&I $44.1M3%Consumer $18.9MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $601.1M14%Noninterest $98.1MQ2 2025Q2 2026

NIM

5.69%Q2 ’245.89%Q2 ’255.88%Q2 ’26+19%+6%

Non-interest income vs. expense

2.41%Q2 ’242.50%Q2 ’252.55%Q2 ’26+5%-4%

Market Position · Bowling Green, KY · 2026 SOD (annual) · 2.8% share · #13 of 22 inst. · $0.1B of $4.8B

73.3% Crittenden
3.4% Warren
20.8% Muhlenberg
8.5% Hopkins

Executive Summary

  • Earnings: ROA of 1.46%, up 23 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.23% of loans (+8 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.24%, up 14 bps from a year ago.
  • Funding: loans stand at 94.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.46%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+21 bps YoY

Efficiency Ratio (YTD, annualized)

56.53%-331 bps YoY

Tier 1 Leverage Ratio

9.24%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.26%1.29%1.47%1.46%+23 bps
Return on Equity14.46%14.66%15.00%16.72%16.50%+204 bps
Net Interest Margin3.66%3.70%3.64%3.89%3.88%+21 bps
Efficiency Ratio59.84%59.15%58.56%56.39%56.53%-331 bps
Non-Interest Burden1.97%1.96%1.91%1.88%1.89%-7 bps
Growth
Asset Growth (YoY)1.58%4.75%6.56%8.98%12.62%+1,104 bps
Loan Growth (YoY)1.16%3.21%7.32%10.98%11.46%+1,030 bps
Deposit Growth (YoY)5.94%9.04%6.76%8.61%9.27%+333 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.42%0.29%0.23%0.23%+8 bps
Net Charge-Offs / Loans0.01%0.02%0.03%0.03%0.02%+1 bps
Allowance / Loans0.66%0.66%0.65%0.68%0.70%+4 bps
Allowance Coverage of NPLs4.5x1.6x2.3x3.0x3.1x-1.4x
Capital
Tier 1 Leverage Ratio9.10%9.28%9.09%9.09%9.24%+14 bps
Total Risk-Based Capital11.74%11.64%11.41%11.93%12.16%+42 bps
Equity / Assets8.79%8.83%8.77%8.84%8.94%+15 bps
Liquidity & Funding
Loans / Deposits92.51%97.16%102.22%92.22%94.37%+186 bps
Liquid Assets / Assets1.34%2.07%0.70%2.08%3.50%+217 bps
CRE / Total Capitaln/a353%358%351%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 & Trust Company

Marion, KY · Cert 12869 · Peer group: banks under $1B in assets in KY (n=69) · Farmers Bcorp Inc. of Marion KY

State charter, non-member · FDIC · 10 branches

Q2 2026

$794.0MAssets
$659.8MLoans
$699.2MDeposits
$71.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 77% of banks under $1B in assets in KY (rank 16 of 69).
  • Widest gap: tier 1 capital ratio trails 74% of banks under $1B in assets in KY (rank 51 of 69).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.43%

Rank 20 of 69

Net Interest Margin

3.88%

Rank 25 of 69

Efficiency Ratio

56.53%

Rank 24 of 69

Equity / Assets

8.94%

Rank 46 of 69

Non-interest income vs. expense

$5.2M$19.9MINCOMEEXPENSE
Unfavorable gap of $14.8M · efficiency ratio beats 67% of banks under $1B in assets in KY
Bank 56.53%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.43%0.83%1.18%1.44%Beats 71%20 / 69
Return on Equity15.95%7.64%11.70%15.70%Beats 77%16 / 69
Net Interest Margin3.88%3.45%3.75%3.96%Beats 64%25 / 69
Efficiency Ratio56.53%55.32%62.99%70.80%Beats 67%24 / 69
Asset Quality
Nonperforming Loans / Loans0.23%0.18%0.52%1.14%Beats 70%22 / 69
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 64%26 / 69
Capital
Tier 1 Capital Ratio11.43%11.33%13.58%16.27%Beats 26%51 / 69
Total Risk-Based Capital Ratio12.16%11.55%14.43%17.27%Beats 28%50 / 69
Equity / Assets8.94%8.31%9.91%12.53%Beats 33%46 / 69
Liquidity & Funding
Loans / Deposits94.37%71.40%81.07%88.03%81st pctl13 / 69
Loans / Assets83.11%61.10%68.66%76.68%86th pctl10 / 69
Brokered Deposits / Depositsn/aNot reported for this institution