The Farmers Bank of Milton
Total assets
$305.1M
▼ -1.8% YoY
Deposits
$253.4M
▼ -1.2% YoY
Loans
$205.3M
▼ -1.9% YoY
Offices
5
FARMERS FINANCIAL CORP
ROA (annualized)
0.66%
peers 1.24%
ROE (annualized)
6.99%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +4.4% | -6.1 pts |
| Deposit growth (YoY) | -1.2% | +4.0% | -5.1 pts |
| Loan growth (YoY) | -1.9% | +5.6% | -7.5 pts |
| ROA | 0.66% | 1.24% | -0.6 pts |
| ROE | 7.0% | 11.9% | -4.9 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
Profile
- Established
- 1902
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FARMERS FINANCIAL CORP
- Specialization
- All Other Under 1 Billion
- Address
- 41 Ferry St, Milton, KY, 40045
- County
- Trimble
- Offices
- 5
- FDIC cert #
- 12163
- RSSD ID
- 265340
- 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 | $305.1M | $253.4M | $205.3M | $29.6M | $1.0M | 0.66% | 3.09% | 0.85% |
| Q1 2026 | $312.9M | $256.3M | $210.0M | $28.5M | $480K | 0.61% | 3.02% | 0.84% |
| Q4 2025 | $312.9M | $255.4M | $210.8M | $29.4M | $1.9M | 0.61% | 2.95% | 0.73% |
| Q3 2025 | $309.1M | $254.0M | $207.7M | $28.0M | $1.2M | 0.51% | 2.90% | 0.70% |
| Q2 2025 | $310.6M | $256.4M | $209.3M | $25.9M | $779K | 0.50% | 2.87% | 0.52% |
| Q1 2025 | $312.6M | $259.0M | $208.2M | $25.6M | $355K | 0.46% | 2.82% | 0.53% |
| Q4 2024 | $310.8M | $263.8M | $209.6M | $24.6M | $1.1M | 0.36% | 2.57% | 0.53% |
| Q3 2024 | $313.0M | $263.9M | $207.9M | $26.7M | $636K | 0.28% | 2.51% | 0.46% |
Loan mix (Q2 2026): real estate $192.1M · commercial $7.8M · consumer $4.8M · securities $77.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.96% | 12th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 62.9% | 73th | |
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.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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