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
Unfavorable gap of $14.8M · efficiency ratio beats 67% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.83% | 1.18% | 1.44% | Beats 71% | 20 / 69 | |
| Return on Equity | 15.95% | 7.64% | 11.70% | 15.70% | Beats 77% | 16 / 69 | |
| Net Interest Margin | 3.88% | 3.45% | 3.75% | 3.96% | Beats 64% | 25 / 69 | |
| Efficiency Ratio | 56.53% | 55.32% | 62.99% | 70.80% | Beats 67% | 24 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.18% | 0.52% | 1.14% | Beats 70% | 22 / 69 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 64% | 26 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 11.43% | 11.33% | 13.58% | 16.27% | Beats 26% | 51 / 69 | |
| Total Risk-Based Capital Ratio | 12.16% | 11.55% | 14.43% | 17.27% | Beats 28% | 50 / 69 | |
| Equity / Assets | 8.94% | 8.31% | 9.91% | 12.53% | Beats 33% | 46 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 94.37% | 71.40% | 81.07% | 88.03% | 81st pctl | 13 / 69 | |
| Loans / Assets | 83.11% | 61.10% | 68.66% | 76.68% | 86th pctl | 10 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |