Farmers Bank and Trust Company
Princeton, KY · Cert 2765 · Peer group: banks under $1B in assets in KY (n=69) · United Bcorp of Princeton Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$247.8MAssets
$188.4MLoans
$215.1MDeposits
$18.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of banks under $1B in assets in KY (rank 8 of 69).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in KY (rank 65 of 69).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.26%
Rank 26 of 69
Net Interest Margin
3.66%
Rank 39 of 69
Efficiency Ratio
58.31%
Rank 27 of 69
Equity / Assets
7.60%
Rank 59 of 69
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 62% 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 | 1.26% | 0.83% | 1.18% | 1.44% | Beats 62% | 26 / 69 | |
| Return on Equity | 16.56% | 7.64% | 11.70% | 15.70% | Beats 84% | 11 / 69 | |
| Net Interest Margin | 3.66% | 3.45% | 3.75% | 3.96% | Beats 43% | 39 / 69 | |
| Efficiency Ratio | 58.31% | 55.32% | 62.99% | 70.80% | Beats 62% | 27 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.18% | 0.52% | 1.14% | Beats 90% | 8 / 69 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 71% | 21 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 9.46% | 11.33% | 13.58% | 16.27% | Beats 7% | 64 / 69 | |
| Total Risk-Based Capital Ratio | 9.46% | 11.55% | 14.43% | 17.27% | Beats 6% | 65 / 69 | |
| Equity / Assets | 7.60% | 8.31% | 9.91% | 12.53% | Beats 14% | 59 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 87.59% | 71.40% | 81.07% | 88.03% | 72nd pctl | 19 / 69 | |
| Loans / Assets | 76.03% | 61.10% | 68.66% | 76.68% | 71st pctl | 20 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |