Farmers Bank and Trust Company: 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 Reserve coverage of non-performing loans: 820.50 percentage points higher than in Q1 2026, at 9912.50%. Farmers Bank and Trust Company ranks 26th of 119 Kentucky banks on return on assets, in the upper half at 1.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers Bank and Trust Company sits 0.53 points higher, at 1.79% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.46% |
| Equity capital to assets | 7.60% |
| Tangible equity to tangible assets | 7.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.38% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 9912.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 24.03% |
| Net interest margin | 3.99% |
| Efficiency ratio | 55.26% |
| Yield on earning assets | 5.80% |
| Cost of funds | 1.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.59% |
| Core deposits to total deposits | 88.76% |
| Brokered deposits to total deposits | 2.32% |
| Deposits to assets | 86.80% |
| Securities to assets | 18.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.46% | 1.04% | 3.26% | 0.04% | -0.01% |
| Q4 2023 | 9.73% | 0.79% | 3.12% | 0.03% | 0.00% |
| Q1 2024 | 9.82% | 0.94% | 3.16% | 0.00% | 0.01% |
| Q2 2024 | 10.06% | 1.15% | 3.23% | 0.00% | 0.03% |
| Q3 2024 | 10.12% | 1.02% | 3.32% | 0.00% | 0.02% |
| Q4 2024 | 9.49% | 1.34% | 3.57% | 0.00% | 0.04% |
| Q1 2025 | 9.35% | 1.21% | 3.40% | 0.03% | 0.02% |
| Q2 2025 | 9.39% | 1.53% | 3.69% | 0.11% | -0.00% |
| Q3 2025 | 9.50% | 1.56% | 3.75% | 0.09% | 0.04% |
| Q4 2025 | 9.27% | 1.53% | 3.92% | 0.01% | 0.03% |
| Q1 2026 | 9.31% | 1.49% | 3.84% | 0.01% | 0.01% |
| Q2 2026 | 9.46% | 1.79% | 3.99% | 0.01% | -0.00% |
Farmers Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2765) · FFIEC NIC profile (RSSD 46941)