FARMERS BANK OF MILTON, THE

MILTON, KY | Small | Est. Jan. 1, 1902, midnight | FDIC #12163 | RSSD #265340 | FDIC
Latest Report: 2025-12-31

FARMERS BANK OF MILTON, THE is asn small FDIC-insured commercial bank headquartered in MILTON, KY, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $313M and total deposits of $255M. Profitability stands at 0.90% ROA and 9.81% ROE, with a net interest margin of 3.17%. The bank's CET1 capital ratio is 18.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.07% and a Texas Ratio of 7.35%. FDIC Certificate #12163.

Assets

$313M

Deposits

$255M

Loans

$212M

Equity

$29M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 9.81%
Net Interest Margin (NIM) 3.17%
Yield on Assets 5.41%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 1.07%
Net Charge-Off Ratio 0.00%
Texas Ratio 7.35%
NPA Ratio 0.73%
ACL / Loans 0.77%

Capital & Liquidity

CET1 Ratio 18.68%
Tier 1 Capital 18.68%
Total Capital Ratio 19.45%
Leverage Ratio 12.45%
Loan-to-Deposit 83.18%

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