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The Farmers Bank Of Milton
Milton, KY · FDIC Certificate #12163 · Chartered 01/0
Total assets
$305.12M
Total deposits
$253.38M
Total equity
$29.64M
Net loans
$205.32M
Branches (offices)
5
Net income (YTD)
$1.02M
Rank: #2,440 of 4,213 U.S. banks by assets · #59 of 120 in Kentucky. Assets changed -1.8% and deposits -1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.66% |
| Return on equity | 6.99% |
| Net interest margin (YTD) | 3.09% |
| Equity to assets | 9.72% |
| Tier 1 leverage ratio | 12.57% |
| Uninsured deposits (share of deposits) | 33.1% |
| Noncurrent loans (share of loans) | 1.26% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 81.0% |
| Real estate loans (share of loans) | 93.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $192.07M | 93.5% | |
| Commercial & industrial | $7.78M | 3.8% | |
| Consumer / individual | $4.79M | 2.3% | |
| Construction & development | $11.67M | 5.7% | |
| Agricultural | $943.00K | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $294.40M | $249.39M | $1.65M | $27.05M |
| Jun 2023 | $301.08M | $253.44M | $527.00K | $24.16M |
| Jun 2024 | $306.83M | $254.63M | $528.00K | $24.50M |
| Jun 2025 | $310.56M | $256.40M | $779.00K | $25.95M |
| Jun 2026 | $305.12M | $253.38M | $1.02M | $29.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $210.72M | 4 |
| Indiana | $42.66M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $253.38M.
Similar-sized banks
Century Bank Of The Ozarks ($305.31M) · Holcomb Bank ($304.85M)
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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