Farmers Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.66 percentage points lower than in Q1 2026, at 72.56%. Farmers Bank ranks 79th of 119 Kentucky banks on return on assets, in the lower half at 1.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers Bank sits 0.16 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.28% |
| Tier 1 risk-based capital ratio | 19.28% |
| Total risk-based capital ratio | 20.53% |
| Tier 1 leverage ratio | 11.00% |
| Equity capital to assets | 10.51% |
| Tangible equity to tangible assets | 10.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 10.26% |
| Net interest margin | 3.41% |
| Efficiency ratio | 57.24% |
| Yield on earning assets | 5.36% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.56% |
| Core deposits to total deposits | 81.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.68% |
| Securities to assets | 19.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.16% | 17.16% | 18.41% | 10.23% | 0.72% |
| Q4 2023 | 17.17% | 17.17% | 18.43% | 9.90% | 0.67% |
| Q1 2024 | 17.76% | 17.76% | 19.01% | 10.19% | 0.66% |
| Q2 2024 | 17.78% | 17.78% | 19.03% | 10.46% | 0.78% |
| Q3 2024 | 17.34% | 17.34% | 18.60% | 10.74% | 0.78% |
| Q4 2024 | 17.77% | 17.77% | 19.02% | 10.44% | 0.91% |
| Q1 2025 | 17.72% | 17.72% | 18.97% | 10.98% | 0.88% |
| Q2 2025 | 17.49% | 17.49% | 18.75% | 11.21% | 0.96% |
| Q3 2025 | 17.97% | 17.97% | 19.23% | 11.32% | 1.01% |
| Q4 2025 | 18.02% | 18.02% | 19.27% | 10.95% | 1.19% |
| Q1 2026 | 18.66% | 18.66% | 19.92% | 11.08% | 0.99% |
| Q2 2026 | 19.28% | 19.28% | 20.53% | 11.00% | 1.09% |
Farmers Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14894) · FFIEC NIC profile (RSSD 485214)