The Farmers National Bank of Danville: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at The Farmers National Bank of Danville. Its balance sheet stood at $990 million at June 30, 2026, down 1.1% from a year earlier; it is based in Danville, Kentucky. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.78% of loans from 0.39% a year earlier. It lost 6.7% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also carries problem assets equal to 13.3% of the capital and reserves that would absorb them, 5.0 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $3.9 million, 32% above the same quarter a year earlier. Over the same year, loans grew 5.2% and deposits shrank 6.7%. One more trend to watch: the non-owner-occupied commercial real estate book ($140 million) is worsening: 1.12% of it is past due or on nonaccrual, up from 0.48% a year earlier.
As of June 30, 2026, The Farmers National Bank of Danville reported a CET1 capital ratio of 13.52%, a return on assets of 1.58%, a nonperforming-loan ratio of 1.78% and a Texas ratio of 13.26%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 304 W Main St, Danville, KY 40422
- County
- Boyle
- Metro Area
- Danville, KY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 10, 1879
- Former names
- The Farmers National Bank of Danville (1983)
- Offices
- 15 domestic
- Employees (FTE)
- 220
- Domestic deposits
- $848.0M
- Allowance for credit losses
- $12.4M
- Net charge-offs (YTD)
- $132K
- Average total assets
- $998.3M
- Average total loans
- $790.9M
- Average interest-bearing deposits
- $712.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2740
- Fed RSSD
- 785147
- Website
- www.fnbky.com →
- Parent Holding Company
- BOYLE BANCORP, INC. (RSSD 1119244)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Farmers National Bank of Danville terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Farmers National Bank of Danville, freeThe Farmers National Bank of Danville rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 13.52% | 1.58% | 1.78% | 13.26% | 4.48% |
| Q1 2026 | 13.13% | 1.07% | 1.60% | 12.45% | 4.46% |
| Q4 2025 | 13.11% | 0.60% | 0.45% | 3.54% | 4.30% |
| Q3 2025 | 12.95% | 1.68% | 0.41% | 3.38% | 4.15% |
| Q2 2025 | 12.67% | 1.16% | 0.39% | 3.39% | 3.60% |
| Q1 2025 | 12.91% | 1.64% | 0.47% | 4.17% | 3.78% |
| Q4 2024 | 12.51% | 0.98% | 0.77% | 6.61% | 3.70% |
| Q3 2024 | 12.51% | 1.37% | 0.60% | 4.82% | 3.65% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Farmers National Bank of Danville | Danville , KY | 40422 | $425.2M |
| Harrodsburg Branch | Harrodsburg , KY | 40330 | $86.9M |
| Stanford Branch | Stanford , KY | 40484 | $52.7M |
| East Main Branch | Danville , KY | 40422 | $51.6M |
| Perryville Branch | Perryville , KY | 40468 | $40.7M |
| Lancaster Branch | Lancaster , KY | 40444 | $35.5M |
| Burgin Branch | Harrodsburg , KY | 40330 | $31.6M |
| Farmers Deposit Bank Branch | Middleburg , KY | 42541 | $31.5M |
| Liberty Branch | Liberty , KY | 42539 | $25.7M |
| Junction City Branch | Junction City , KY | 40440 | $25.6M |
| Garland Drive Branch | Danville , KY | 40422 | $22.6M |
| Danville Square Branch | Danville , KY | 40422 | $18.3M |
| Legion Drive Wealthsouth Operations Center Branch | Harrodsburg , KY | 40330 | $0 |
| Lexington Branch | Lexington , KY | 40507 | $0 |
| Bowling Green Branch | Bowling Green , KY | 42104 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2020 | Structure Change | Acquired Farmers Deposit Bank of Middleburg, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1991 | Structure Change | Acquired Citizens Bank & Trust Company, Burgin, Kentucky Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for The Farmers National Bank of Danville, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- January 18, 2006, OCC: Civil Money Penalty (CMP): The Farmers National Bank of Danville
- Period: Most recent institution action January 18, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in KY, rank 28 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Farmers National Bank of Danville
What are The Farmers National Bank of Danville's total assets?
As of the Q2 2026 filing, The Farmers National Bank of Danville reported total assets of $989.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Farmers National Bank of Danville headquartered?
The Farmers National Bank of Danville is headquartered in Danville, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Farmers National Bank of Danville founded?
The Farmers National Bank of Danville was established in 1879, per the FDIC institution directory.
Is The Farmers National Bank of Danville FDIC-insured?
Yes. The Farmers National Bank of Danville is an FDIC-insured commercial bank (FDIC Certificate #2740). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers National Bank of Danville?
The Farmers National Bank of Danville's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Farmers National Bank of Danville's CET1 capital ratio?
The Farmers National Bank of Danville reported a Common Equity Tier 1 (CET1) capital ratio of 13.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Farmers National Bank of Danville operate?
The Farmers National Bank of Danville operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers National Bank of Danville's Texas Ratio?
The Farmers National Bank of Danville's Texas Ratio is 13.26% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Farmers National Bank of Danville previously called?
The charter now named The Farmers National Bank of Danville has also operated as The Farmers National Bank of Danville (1983), per FDIC structure-change records.
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