FARMERS BANK OF MILTON, THE
FARMERS BANK OF MILTON, THE is an FDIC-insured commercial bank headquartered in MILTON, KY, established in 1902. As of , 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 2.95%. CET1 capital ratio: 18.68%, well above regulatory minimums. NPL ratio: 1.07% · Texas Ratio: 7.35%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Farmers Bank of Milton, the rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 18.68% | 0.90% | 1.07% | 7.35% | 2.95% |
| 2025-09-30 | 18.57% | 0.53% | 1.03% | 7.29% | 2.79% |
| 2025-06-30 | 18.25% | 0.54% | 0.77% | 5.89% | 2.71% |
| 2025-03-31 | 17.90% | 0.46% | 0.79% | 6.09% | 2.66% |
| 2024-12-31 | 17.56% | 0.62% | 0.77% | 6.22% | 2.54% |
| 2024-09-30 | 17.34% | 0.14% | 0.69% | 5.14% | 2.34% |
| 2024-06-30 | 17.81% | 0.29% | 0.96% | 7.55% | 2.35% |
| 2024-03-31 | 18.19% | 0.40% | 1.14% | 8.74% | 2.37% |
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Frequently asked about FARMERS BANK OF MILTON, THE
What are Farmers Bank of Milton, the's total assets?
As of the Q4 2025 filing, Farmers Bank of Milton, the reported total assets of $312.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers Bank of Milton, the headquartered?
Farmers Bank of Milton, the is headquartered in MILTON, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers Bank of Milton, the founded?
Farmers Bank of Milton, the was established in 1902, per the FDIC institution directory.
Is Farmers Bank of Milton, the FDIC-insured?
Yes. Farmers Bank of Milton, the is an FDIC-insured commercial bank (FDIC Certificate #12163). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Bank of Milton, the?
Farmers Bank of Milton, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers Bank of Milton, the's CET1 capital ratio?
Farmers Bank of Milton, the reported a Common Equity Tier 1 (CET1) capital ratio of 18.68% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Farmers Bank of Milton, the operate?
Farmers Bank of Milton, the operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers Bank of Milton, the's Texas Ratio?
Farmers Bank of Milton, the's Texas Ratio is 7.35% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.