FARMERS BANK & TRUST COMPANY

MARION, KY | Medium | Est. Dec. 1, 1899, midnight | FDIC #12869 | RSSD #262741 | FDIC
Latest Report: 2025-12-31

FARMERS BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in MARION, KY, established in Dec. 1, 1899, midnight. As of 2025-12-31, the bank reported total assets of $760M and total deposits of $629M. Profitability stands at 1.76% ROA and 19.96% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 10.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 1.26%. FDIC Certificate #12869.

Assets

$760M

Deposits

$629M

Loans

$643M

Equity

$67M

Profitability

Return on Assets (ROA) 1.76%
Return on Equity (ROE) 19.96%
Net Interest Margin (NIM) 4.18%
Yield on Assets 6.62%
Cost of Funds 2.48%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.26%
NPA Ratio 0.12%
ACL / Loans 0.65%

Capital & Liquidity

CET1 Ratio 10.74%
Tier 1 Capital 10.74%
Total Capital Ratio 11.41%
Leverage Ratio 9.09%
Loan-to-Deposit 102.22%

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