Farmers Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers Bank and Trust Company of Princeton, KY against its peer group of 2603 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 | 1.79% | 1.34% | +0.45% | 78th top |
| ROAE | 24.03% | 13.32% | +10.71% | 94th top |
| Net Interest Margin | 3.99% | 3.93% | +0.06% | 53rd above |
| Efficiency Ratio | 55.26% | 61.13% | -5.87% | 68th above |
| PPNR / Avg Assets | 1.96% | 1.68% | +0.28% | 70th above |
| Yield on Earning Assets | 5.80% | 5.67% | +0.13% | 59th above |
| Cost of Funds | 1.96% | 1.88% | +0.08% | 40th below |
| Net Interest Spread | 3.45% | 3.32% | +0.13% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 84th top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 84th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 77th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) | 9912.50% | 1543.92% | +8368.58% | — |
| Texas Ratio | 0.38% | 7.34% | -6.96% | 82nd top |
| Provision / NCO | 4200.00% | 1393.85% | +2806.15% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.46% | 12.14% | -2.68% | 21st bottom |
| Equity / Assets | 7.60% | 11.37% | -3.77% | 10th bottom |
| TCE / Tangible Assets | 7.60% | 11.08% | -3.48% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.59% | 80.66% | +6.93% | 34th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.76% | 86.85% | +1.91% | 48th below |
| Wholesale Funding Ratio | 5.18% | 5.04% | +0.14% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.35% | 6.84% | +4.51% | 86th top |
| Loan Growth (Y/Y) | 12.76% | 7.92% | +4.84% | 82nd top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.82% | 6.29% | -0.47% | 63rd above |
See Farmers Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers Bank and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.