Marion, KY · Cert 12869 · Farmers Bcorp Inc. of Marion KY
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Bowling Green, KY · 2026 SOD (annual) · 2.8% share · #13 of 22 inst. · $0.1B of $4.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.03% | 1.22% | 1.23% | 1.26% | 1.29% | 1.47% | 1.46% | +23 bps | |
| Return on Equity | 12.26% | 12.77% | 14.67% | 14.46% | 14.66% | 15.00% | 16.72% | 16.50% | +204 bps | |
| Net Interest Margin | 3.12% | 3.14% | 3.60% | 3.66% | 3.70% | 3.64% | 3.89% | 3.88% | +21 bps | |
| Efficiency Ratio | 65.98% | 65.13% | 59.44% | 59.84% | 59.15% | 58.56% | 56.39% | 56.53% | -331 bps | |
| Non-Interest Burden | 1.85% | 1.84% | 1.90% | 1.97% | 1.96% | 1.91% | 1.88% | 1.89% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.94% | 3.21% | 4.03% | 1.58% | 4.75% | 6.56% | 8.98% | 12.62% | +1,104 bps | |
| Loan Growth (YoY) | 11.21% | 6.81% | 0.67% | 1.16% | 3.21% | 7.32% | 10.98% | 11.46% | +1,030 bps | |
| Deposit Growth (YoY) | 5.95% | -6.97% | 3.63% | 5.94% | 9.04% | 6.76% | 8.61% | 9.27% | +333 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.08% | 0.11% | 0.15% | 0.42% | 0.29% | 0.23% | 0.23% | +8 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.06% | 0.01% | 0.01% | 0.02% | 0.03% | 0.03% | 0.02% | +1 bps | |
| Allowance / Loans | 0.61% | 0.58% | 0.63% | 0.66% | 0.66% | 0.65% | 0.68% | 0.70% | +4 bps | |
| Allowance Coverage of NPLs | 3.5x | 7.0x | 5.6x | 4.5x | 1.6x | 2.3x | 3.0x | 3.1x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.75% | 8.72% | 8.90% | 9.10% | 9.28% | 9.09% | 9.09% | 9.24% | +14 bps | |
| Total Risk-Based Capital | 11.04% | 11.18% | 11.69% | 11.74% | 11.64% | 11.41% | 11.93% | 12.16% | +42 bps | |
| Equity / Assets | 8.40% | 8.17% | 8.51% | 8.79% | 8.83% | 8.77% | 8.84% | 8.94% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.65% | 101.68% | 90.25% | 92.51% | 97.16% | 102.22% | 92.22% | 94.37% | +186 bps | |
| Liquid Assets / Assets | 0.52% | 1.75% | 3.67% | 1.34% | 2.07% | 0.70% | 2.08% | 3.50% | +217 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 353% | 358% | 351% | n/a | n/a | |