Farmers Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers Bank of Nicholasville, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.09% | 1.34% | -0.25% | 38th below |
| ROAE | 10.26% | 13.32% | -3.06% | 38th below |
| Net Interest Margin | 3.41% | 3.93% | -0.52% | 24th bottom |
| Efficiency Ratio | 57.24% | 61.14% | -3.90% | 62nd above |
| PPNR / Avg Assets | 1.54% | 1.68% | -0.14% | 47th below |
| Yield on Earning Assets | 5.36% | 5.67% | -0.31% | 38th below |
| Cost of Funds | 2.10% | 1.88% | +0.22% | 32nd below |
| Net Interest Spread | 2.55% | 3.32% | -0.77% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.16% | -0.01% | 15th bottom |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 70th above |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 166.67% | 1396.00% | -1229.33% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.28% | 19.50% | -0.22% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.28% | 19.54% | -0.26% | 75th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.53% | 20.62% | -0.09% | 75th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.00% | 12.14% | -1.14% | 51st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.51% | 11.37% | -0.86% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.51% | 11.09% | -0.58% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.56% | 80.64% | -8.08% | 66th above |
| Core Deposit Ratio | 81.60% | 86.86% | -5.26% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.09% | 6.85% | +8.24% | 91st top |
| Loan Growth (Y/Y) | 0.72% | 7.90% | -7.18% | 25th below |
| Deposit Growth (Y/Y) | 18.85% | 6.28% | +12.57% | 94th top |
See Farmers Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Farmers Bank profile, how to read a UBPR, or how this data updates.