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Farmers Bank and Trust Company

Princeton, KY · Cert 2765 · United Bcorp of Princeton Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$247.8MAssets
$188.4MLoans
$215.1MDeposits
$18.8MEquity
Loan mix
94%RE $165.5M5%C&I $8.0M1%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $170.9M21%Noninterest $44.2MQ2 2025Q2 2026

NIM

4.95%Q2 ’245.21%Q2 ’255.40%Q2 ’26+9%+10%

Non-interest income vs. expense

2.76%Q2 ’242.60%Q2 ’252.51%Q2 ’26-6%+2%

Executive Summary

  • Earnings: ROA of 1.28%, up 20 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.04% of loans (-9 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.46%, up 7 bps from a year ago.
  • Funding: loans stand at 87.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+34 bps YoY

Efficiency Ratio (YTD, annualized)

58.31%-513 bps YoY

Tier 1 Leverage Ratio

9.46%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.13%1.15%1.17%1.28%+20 bps
Return on Equity16.61%16.89%16.93%16.15%17.45%+84 bps
Net Interest Margin3.32%3.37%3.38%3.60%3.66%+34 bps
Efficiency Ratio63.44%62.47%62.36%60.81%58.31%-513 bps
Non-Interest Burden1.83%1.82%1.84%1.94%1.87%+4 bps
Growth
Asset Growth (YoY)9.27%12.02%10.31%5.65%11.35%+208 bps
Loan Growth (YoY)20.86%22.00%15.09%11.04%12.76%-811 bps
Deposit Growth (YoY)8.68%11.13%10.14%5.10%5.82%-286 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.11%0.05%0.02%0.04%-9 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.01%0.01%0 bps
Allowance / Loans1.23%1.20%1.19%1.25%1.26%+3 bps
Allowance Coverage of NPLs9.3x11.1x24.7x51.7x29.4x+20.0x
Capital
Tier 1 Leverage Ratio9.39%9.50%9.27%9.31%9.46%+7 bps
Total Risk-Based Capital9.39%9.50%9.27%9.31%9.46%+7 bps
Equity / Assets6.69%7.20%7.15%7.30%7.60%+91 bps
Liquidity & Funding
Loans / Deposits82.20%85.84%85.65%82.52%87.59%+539 bps
Liquid Assets / Assets0.98%0.91%0.77%3.13%1.47%+49 bps
CRE / Total Capitaln/a396%408%377%n/an/a