KENTUCKY FARMERS BANK CORPORATION

ASHLAND, KY | Small | Est. Jan. 1, 1931, midnight | FDIC #267 | RSSD #683814 | FDIC
Latest Report: 2025-12-31

KENTUCKY FARMERS BANK CORPORATION is asn small FDIC-insured commercial bank headquartered in ASHLAND, KY, established in Jan. 1, 1931, midnight. As of 2025-12-31, the bank reported total assets of $331M and total deposits of $279M. Profitability stands at 2.30% ROA and 14.78% ROE, with a net interest margin of 4.58%. The bank's CET1 capital ratio is 27.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.45%. FDIC Certificate #267.

Assets

$331M

Deposits

$279M

Loans

$168M

Equity

$51M

Profitability

Return on Assets (ROA) 2.30%
Return on Equity (ROE) 14.78%
Net Interest Margin (NIM) 4.58%
Yield on Assets 5.96%
Cost of Funds 1.51%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.45%
NPA Ratio 0.07%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 27.61%
Tier 1 Capital 27.61%
Total Capital Ratio 28.54%
Leverage Ratio 15.98%
Loan-to-Deposit 60.25%

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