Farmers Bank (Nicholasville, KY)
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Data as of · sourced from FFIEC call reports. How we update
Farmers Bank is an FDIC-insured commercial bank headquartered in Nicholasville, KY, established in 1934 (FDIC certificate 14894), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $282.7M, up 15.1% from Q2 2025, the 64th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 19.28% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14894
- Headquarters
- Nicholasville, KY
- Established
- 1934
- Total assets, Q2 2026
- $282.7M
- Assets vs Q2 2025
- +15.1%
- CET1 ratio, Q2 2026
- 19.28%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 042101792
- Holding company
- FARMERS BANCORP OF NICHOLASVILLE, INC.
- Asset rank in state
- 64th of 120 in Kentucky
Farmers Bank, based in Nicholasville, Kentucky, reported $283 million in assets at June 30, 2026, up 15.1% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also grew deposits 18.9% over the year, 4.7 times the median of 4.0% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $752,000. Over the same year, loans grew 0.7% and deposits grew 18.9%. Its margin is thin by comparison: it keeps 3.41 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Farmers Bank reported a CET1 capital ratio of 19.28%, a return on assets of 1.09%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Farmers Bank is the 64th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.3% to $282.7M, loans fell 0.5% and deposits rose 4.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 57.2% of total loans, ahead of construction and land development loans at 13.4%. Its 4 offices in the FDIC Summary of Deposits are in Nicholasville, KY and Wilmore, KY; its Nicholasville 3 offices book 93% of its branch deposits. By the capital ratios in its Q2 2026 call report, Farmers Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 N Main St, Nicholasville, KY 40356
- County
- Jessamine
- Metro Area
- Lexington-Fayette, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $250.7M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $66K
- Average total assets
- $275.6M
- Average total loans
- $174.8M
- Average interest-bearing deposits
- $181.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 30, 1934
- FDIC Cert
- 14894
- Fed RSSD
- 485214
- Website
- www.MyFarmersBank.net →
- Parent Holding Company
- FARMERS BANCORP OF NICHOLASVILLE, INC. (RSSD 1071771)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Farmers Bank's total assets moved between a low of $236.7M (Q3 2023) and a high of $282.7M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$282.7M total assets against $245.6M; $253.0M total liabilities against $219.0M.
$179.4M net loans and leases against $178.3M; $250.7M total deposits against $210.9M.
$54.5M securities against $48.4M; $43.8M cash and balances due against $13.5M.
$3.5M total interest income against $3.1M; $1.3M total interest expense against $1.1M.
$2.2M net interest income against $2.0M.
$245K total noninterest income against $188K; $1.4M total noninterest expense against $1.4M.
$75K provision for credit losses against $55K.
$752K net income against $588K.
1.09% return on assets against 0.96%; 3.41% net interest margin against 3.46%.
19.28% CET1 capital ratio against 17.49%; 11.00% tier 1 leverage ratio against 11.21%.
Inside the full Farmers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers Bank rankings
Its closest position to the top of a national ranking is 379 of 2,134, for CET1 ratio; its furthest is 3,484 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.78% (Q3 2024) to 1.19% (Q4 2025) and its net interest margin ran from 3.02% (Q4 2024) to 3.63% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.28% | 1.09% | 0.00% | 0.00% | 3.41% |
| Q1 2026 | 18.66% | 0.99% | 0.00% | 0.00% | 3.44% |
| Q4 2025 | 18.02% | 1.19% | 0.00% | 0.00% | 3.63% |
| Q3 2025 | 17.97% | 1.01% | 0.00% | 0.00% | 3.57% |
| Q2 2025 | 17.49% | 0.96% | 0.00% | 0.00% | 3.46% |
| Q1 2025 | 17.72% | 0.88% | 0.00% | 0.00% | 3.31% |
| Q4 2024 | 17.77% | 0.91% | 0.00% | 0.00% | 3.02% |
| Q3 2024 | 17.34% | 0.78% | 0.00% | 0.00% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Farmers Bank | Nicholasville , KY | 40356 | $161.8M |
| Bell Place Branch | Nicholasville , KY | 40356 | $50.7M |
| Brannon Crossing Branch | Nicholasville , KY | 40356 | $21.4M |
| Wilmore Branch | Wilmore , KY | 40390 | $16.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 81 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $15K approved, $15K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers Bank
What are Farmers Bank's total assets?
As of the Q2 2026 filing, Farmers Bank reported total assets of $282.7 million in its FFIEC call report.
Where is Farmers Bank headquartered?
It is headquartered in Nicholasville, KY, United States.
When was Farmers Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Farmers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14894). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Bank?
Farmers Bank's primary federal regulator is the FDIC.
What is Farmers Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.28% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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