FARMERS NATIONAL BANK OF LEBANON, THE

LEBANON, KY | Small | Est. April 1, 1890, midnight | FDIC #2754 | RSSD #575348 | OCC
Latest Report: 2025-12-31

FARMERS NATIONAL BANK OF LEBANON, THE is asn small FDIC-insured commercial bank headquartered in LEBANON, KY, established in April 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $149M and total deposits of $131M. Profitability stands at 0.84% ROA and 8.12% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 10.37%, 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 #2754.

Assets

$149M

Deposits

$131M

Loans

$104M

Equity

$15M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 8.12%
Net Interest Margin (NIM) 3.96%
Yield on Assets 5.70%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 10.37%
Tier 1 Capital 10.37%
Total Capital Ratio 10.89%
Leverage Ratio 11.67%
Loan-to-Deposit 79.38%

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