Farmers State Bank, Inc.
Booneville, KY · Cert 5838 · Peer group: banks under $1B in assets in KY (n=69) · Middlefork Financial Group Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (7 in holding)
Q2 2026
$69.3MAssets
$28.6MLoans
$62.5MDeposits
$5.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 78% of banks under $1B in assets in KY (rank 15 of 69).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in KY (rank 66 of 69).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.88%
Rank 49 of 69
Net Interest Margin
3.75%
Rank 34 of 69
Efficiency Ratio
72.06%
Rank 53 of 69
Equity / Assets
7.65%
Rank 58 of 69
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 25% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.83% | 1.18% | 1.44% | Beats 29% | 49 / 69 | | |
| Return on Equity | 11.48% | 7.64% | 11.70% | 15.70% | Beats 46% | 37 / 69 | | |
| Net Interest Margin | 3.75% | 3.45% | 3.75% | 3.96% | Beats 51% | 34 / 69 | | |
| Efficiency Ratio | 72.06% | 55.32% | 62.99% | 70.80% | Beats 25% | 53 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.18% | 0.52% | 1.14% | Beats 29% | 50 / 69 | | |
| Net Charge-Offs / Loans | 0.22% | 0.01% | 0.02% | 0.06% | Beats 6% | 66 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 17.53% | 11.33% | 13.58% | 16.27% | Beats 78% | 15 / 69 | | |
| Total Risk-Based Capital Ratio | 18.78% | 11.55% | 14.43% | 17.27% | Beats 78% | 15 / 69 | | |
| Equity / Assets | 7.65% | 8.31% | 9.91% | 12.53% | Beats 16% | 58 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 45.70% | 71.40% | 81.07% | 88.03% | 6th pctl | 65 / 69 | | |
| Loans / Assets | 41.20% | 61.10% | 68.66% | 76.68% | 7th pctl | 64 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |