FARMERS BANK AND TRUST COMPANY

PRINCETON, KY | Small | Est. Jan. 1, 1900, midnight | FDIC #2765 | RSSD #46941 | FDIC
Latest Report: 2025-12-31

FARMERS BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in PRINCETON, KY, established in Jan. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $241M and total deposits of $214M. Profitability stands at 1.52% ROA and 21.22% ROE, with a net interest margin of 4.01%. The bank's CET1 capital ratio is 7.15%. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.13%. FDIC Certificate #2765.

Assets

$241M

Deposits

$214M

Loans

$183M

Equity

$17M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 21.22%
Net Interest Margin (NIM) 4.01%
Yield on Assets 6.00%
Cost of Funds 2.00%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.13%
NPA Ratio 0.01%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 7.15%
Tier 1 Capital 7.15%
Total Capital Ratio 7.51%
Leverage Ratio 9.27%
Loan-to-Deposit 85.65%

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