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The Farmers Bank
Nicholasville, KY · FDIC Certificate #14894 · Chartered 01/0
Total assets
$282.70M
Total deposits
$250.68M
Total equity
$29.70M
Net loans
$179.40M
Branches (offices)
4
Net income (YTD)
$1.41M
Rank: #2,555 of 4,213 U.S. banks by assets · #64 of 120 in Kentucky. Assets changed 15.1% and deposits 18.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.03% |
| Return on equity | 9.73% |
| Net interest margin (YTD) | 3.34% |
| Equity to assets | 10.51% |
| Tier 1 leverage ratio | 11.00% |
| Uninsured deposits (share of deposits) | 19.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 71.6% |
| Real estate loans (share of loans) | 93.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $168.50M | 93.9% | |
| Commercial & industrial | $9.55M | 5.3% | |
| Consumer / individual | $3.04M | 1.7% | |
| Construction & development | $24.38M | 13.6% | |
| Agricultural | $801.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $229.10M | $208.50M | $940.00K | $19.94M |
| Jun 2023 | $234.03M | $207.38M | $885.00K | $21.44M |
| Jun 2024 | $240.06M | $210.57M | $879.00K | $23.70M |
| Jun 2025 | $245.63M | $210.92M | $1.13M | $26.63M |
| Jun 2026 | $282.70M | $250.68M | $1.41M | $29.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $250.68M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $250.68M.
Similar-sized banks
Pioneer Bank ($282.80M) · First Federal Savings Bank Of Kentucky ($282.64M)
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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