Farmers Bank and Trust Company
Also written as FB&T
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Data as of · sourced from FFIEC call reports. How we update
Farmers Bank and Trust Company is an FDIC-insured commercial bank headquartered in Princeton, KY (FDIC certificate 2765), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $247.8M, up 11.3% from Q2 2025, the 70th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.46% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2765
- Headquarters
- Princeton, KY
- Established
- Not reported
- Total assets, Q2 2026
- $247.8M
- Assets vs Q2 2025
- +11.3%
- Tier 1 leverage ratio, Q2 2026
- 9.46%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 083901773
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Bank and Trust Company Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- UNITED BANCORP OF PRINCETON, INC.
- Asset rank in state
- 70th of 120 in Kentucky
Farmers Bank and Trust Company is one of the more profitable banks of its size. It reported $248 million in assets at June 30, 2026, up 11.3% from a year earlier. It returns 24.0% a year on shareholders' equity, about double the median of 12.6% for the 2,627 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for banks its size.
Delinquency has appeared in its $31 million non-owner-occupied commercial real estate book: 8.99% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 12.8% and deposits rose 5.8%. Where it has less room is capital: it funds 9.46% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Farmers Bank and Trust Company reported a return on assets of 1.79%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.38%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers Bank and Trust Company is the 70th largest of the 120 banks headquartered in Kentucky. Between Q1 2026 and Q2 2026, its total assets rose 3.0% to $247.8M, loans rose 3.9% and deposits fell 2.1%. Owner-occupied commercial real estate loans made up 26.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 23.5%. Its 3 offices in the FDIC Summary of Deposits are in Princeton, KY and Eddyville, KY; its Princeton 2 offices book 75% of its branch deposits. On its Q2 2026 call report, Farmers Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 W Washington St, Princeton, KY 42445
- County
- Caldwell
- 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $215.1M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $244.7M
- Average total loans
- $187.2M
- Average interest-bearing deposits
- $165.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2765
- Fed RSSD
- 46941
- Website
- www.yournxtbank.com →
- Parent Holding Company
- UNITED BANCORP OF PRINCETON, INC. (RSSD 1098554)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Farmers Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Farmers Bank and Trust Company's total assets ranged from $199.5M (Q3 2023) to $247.8M (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
$247.8M total assets against $222.5M; $229.0M total liabilities against $207.7M.
$186.0M net loans and leases against $165.0M; $215.1M total deposits against $203.3M.
$45.4M securities against $43.2M; $7.4M cash and balances due against $5.6M.
$3.4M total interest income against $3.0M; $1.1M total interest expense against $1.1M.
$2.3M net interest income against $2.0M.
$401K total noninterest income against $425K; $1.5M total noninterest expense against $1.5M.
$105K provision for credit losses against $75K.
$1.1M net income against $862K.
1.79% return on assets against 1.53%; 3.99% net interest margin against 3.69%.
9.46% tier 1 leverage ratio against 9.39%.
Inside the full Farmers Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers Bank and Trust Company rankings
Its closest position to the top of a national ranking is 766 of 3,611, for ROA; its furthest is 3,038 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.02% (Q3 2024) to 1.79% (Q2 2026) and its net interest margin ran from 3.32% (Q3 2024) to 3.99% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.46% | 1.79% | 0.04% | 0.38% | 3.99% |
| Q1 2026 | 9.31% | 1.49% | 0.02% | 0.22% | 3.84% |
| Q4 2025 | 9.27% | 1.53% | 0.05% | 0.45% | 3.92% |
| Q3 2025 | 9.50% | 1.56% | 0.11% | 1.02% | 3.75% |
| Q2 2025 | 9.39% | 1.53% | 0.13% | 1.30% | 3.69% |
| Q1 2025 | 9.35% | 1.21% | 0.07% | 0.70% | 3.40% |
| Q4 2024 | 9.49% | 1.34% | 0.07% | 0.69% | 3.57% |
| Q3 2024 | 10.12% | 1.02% | 0.02% | 0.16% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Farmers Bank and Trust Company (main office) | Princeton , KY | 42445 | $158.1M |
| Farmers Bank Eddyvi | Eddyville , KY | 42038 | $54.3M |
| Highway 62 Drive Thru Only Branch | Princeton , KY | 42445 | $2.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action November 16, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KY, rank 89 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $303K approved, $303K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 and Trust Company
What are Farmers Bank and Trust Company's total assets?
As of the Q2 2026 filing, Farmers Bank and Trust Company reported total assets of $247.8 million in its FFIEC call report.
Where is Farmers Bank and Trust Company headquartered?
It is headquartered in Princeton, KY, United States.
Is Farmers Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2765). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Bank and Trust Company?
Farmers Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does Farmers Bank and Trust Company 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 and Trust Company's Texas Ratio?
Its Texas Ratio is 0.38% 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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