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Farmers Bank And Trust Company
Marion, KY · FDIC Certificate #12869 · Chartered 12/0
Total assets
$793.95M
Total deposits
$699.22M
Total equity
$70.99M
Net loans
$655.25M
Branches (offices)
10
Net income (YTD)
$7.21M
Rank: #1,263 of 4,213 U.S. banks by assets · #23 of 120 in Kentucky. Assets changed 12.6% and deposits 9.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.86% |
| Return on equity | 21.02% |
| Net interest margin (YTD) | 4.12% |
| Equity to assets | 8.94% |
| Tier 1 leverage ratio | 9.24% |
| Uninsured deposits (share of deposits) | 11.8% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 93.7% |
| Real estate loans (share of loans) | 90.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $590.73M | 90.2% | |
| Commercial & industrial | $40.50M | 6.2% | |
| Consumer / individual | $20.93M | 3.2% | |
| Construction & development | $74.96M | 11.4% | |
| Agricultural | $3.30M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $563.49M | $455.67M | $3.94M | $49.24M |
| Jun 2023 | $621.57M | $495.55M | $4.17M | $51.66M |
| Jun 2024 | $694.00M | $604.01M | $4.11M | $55.89M |
| Jun 2025 | $704.98M | $639.90M | $5.53M | $61.95M |
| Jun 2026 | $793.95M | $699.22M | $7.21M | $70.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $699.22M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $699.22M.
Similar-sized banks
Decorah Bank & Trust Company ($794.12M) · River Valley Community Bank ($793.11M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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