FARMERS BANK

NICHOLASVILLE, KY | Small | Est. Jan. 1, 1934, midnight | FDIC #14894 | RSSD #485214 | FDIC
Latest Report: 2025-12-31

FARMERS BANK is asn small FDIC-insured commercial bank headquartered in NICHOLASVILLE, KY, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $269M and total deposits of $239M. Profitability stands at 1.23% ROA and 11.32% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 18.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #14894.

Assets

$269M

Deposits

$239M

Loans

$186M

Equity

$28M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 11.32%
Net Interest Margin (NIM) 3.85%
Yield on Assets 5.81%
Cost of Funds 2.05%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 18.02%
Tier 1 Capital 18.02%
Total Capital Ratio 19.27%
Leverage Ratio 10.95%
Loan-to-Deposit 77.93%

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