The Farmers Bank
Total assets
$282.7M
▲ +15.1% YoY
Deposits
$250.7M
▲ +18.9% YoY
Loans
$179.4M
▲ +0.6% YoY
Offices
4
FARMERS BCORP NICHOLASVILLE
ROA (annualized)
1.03%
peers 1.24%
ROE (annualized)
9.73%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | The Farmers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.1% | +4.4% | +10.7 pts |
| Deposit growth (YoY) | +18.9% | +4.0% | +14.9 pts |
| Loan growth (YoY) | +0.6% | +5.6% | -5.0 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 9.7% | 11.9% | -2.1 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FARMERS BCORP NICHOLASVILLE
- Specialization
- All Other Under 1 Billion
- Address
- 200 N Main St, Nicholasville, KY, 40356
- County
- Jessamine
- Metro area
- Lexington-Fayette, KY
- Offices
- 4
- FDIC cert #
- 14894
- RSSD ID
- 485214
- 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 | $282.7M | $250.7M | $179.4M | $29.7M | $1.4M | 1.03% | 3.34% | 0.00% |
| Q1 2026 | $271.1M | $239.9M | $180.3M | $28.9M | $658K | 0.97% | 3.35% | 0.00% |
| Q4 2025 | $269.3M | $238.8M | $183.6M | $28.3M | $2.5M | 1.02% | 3.46% | 0.00% |
| Q3 2025 | $245.8M | $216.0M | $178.7M | $27.4M | $1.8M | 0.96% | 3.42% | 0.00% |
| Q2 2025 | $245.6M | $210.9M | $178.3M | $26.6M | $1.1M | 0.92% | 3.35% | 0.00% |
| Q1 2025 | $244.6M | $213.8M | $172.1M | $25.9M | $542K | 0.88% | 3.28% | 0.00% |
| Q4 2024 | $247.1M | $217.3M | $170.2M | $25.1M | $1.9M | 0.79% | 2.95% | 0.00% |
| Q3 2024 | $243.1M | $205.3M | $169.1M | $24.8M | $1.4M | 0.74% | 2.91% | 0.00% |
Loan mix (Q2 2026): real estate $168.5M · commercial $9.6M · consumer $3.0M · securities $54.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | The Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% | 21th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 62.9% | 40th | |
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 | The Farmers Bank | 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 | The Farmers Bank | 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 | The Farmers Bank | 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 | The Farmers Bank | 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.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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