Farmers Bank and Trust Company
Total assets
$794.0M
▲ +12.6% YoY
Deposits
$699.2M
▲ +9.3% YoY
Loans
$655.2M
▲ +11.4% YoY
Offices
10
FARMERS BCORP INC OF MARION KY
ROA (annualized)
1.86%
peers 1.28%
ROE (annualized)
21.02%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +4.9% | +7.7 pts |
| Deposit growth (YoY) | +9.3% | +4.3% | +4.9 pts |
| Loan growth (YoY) | +11.4% | +5.3% | +6.1 pts |
| ROA | 1.86% | 1.28% | +0.6 pts |
| ROE | 21.0% | 12.4% | +8.6 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
Profile
- Established
- 1899
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FARMERS BCORP INC OF MARION KY
- Specialization
- Commercial Lending Specialization
- Address
- 201 S Main St, Marion, KY, 42064
- County
- Crittenden
- Offices
- 10
- FDIC cert #
- 12869
- RSSD ID
- 262741
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $794.0M | $699.2M | $655.2M | $71.0M | $7.2M | 1.86% | 4.12% | 0.19% |
| Q1 2026 | $771.9M | $700.9M | $642.0M | $68.2M | $3.6M | 1.87% | 4.12% | 0.19% |
| Q4 2025 | $760.1M | $629.0M | $638.7M | $66.7M | $11.9M | 1.64% | 3.96% | 0.24% |
| Q3 2025 | $734.8M | $631.2M | $609.3M | $64.9M | $8.6M | 1.60% | 3.92% | 0.38% |
| Q2 2025 | $705.0M | $639.9M | $588.1M | $62.0M | $5.5M | 1.56% | 3.90% | 0.15% |
| Q1 2025 | $708.3M | $645.4M | $578.8M | $60.3M | $2.8M | 1.55% | 3.81% | 0.16% |
| Q4 2024 | $713.3M | $589.2M | $595.6M | $58.3M | $9.1M | 1.31% | 3.40% | 0.13% |
| Q3 2024 | $701.4M | $578.9M | $590.6M | $58.9M | $6.5M | 1.26% | 3.33% | 0.15% |
Loan mix (Q2 2026): real estate $590.7M · commercial $40.5M · consumer $20.9M · securities $67.1M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.28% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 21.0% | 12.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.89% | 63th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 61.2% | 36th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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