The Farmers Bank of Milton
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Data as of · sourced from FFIEC call reports. How we update
The Farmers Bank of Milton is an FDIC-insured commercial bank headquartered in Milton, KY, supervised by the FDIC, with $305.1M in total assets at Q2 2026, down 1.8% from Q2 2025, the 59th largest of 120 banks headquartered in Kentucky. It was established in 1902 and holds FDIC certificate 12163. Its CET1 capital ratio was 19.43% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12163
- Headquarters
- Milton, KY
- Established
- 1902
- Total assets, Q2 2026
- $305.1M
- Assets vs Q2 2025
- -1.8%
- CET1 ratio, Q2 2026
- 19.43%
- Domestic offices
- 5 · The Farmers Bank of Milton branches FDIC institution directory, current count
- Routing number
- 083905546
- Safety and soundness
- Is The Farmers Bank of Milton safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers Bank of Milton Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- FARMERS FINANCIAL CORPORATION
- Asset rank in state
- 59th of 120 in Kentucky
Problem loans are rising at The Farmers Bank of Milton. Based in Milton, Kentucky, it had $305 million in assets at June 30, 2026, down 1.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.26% of loans from 0.77% a year earlier. It keeps 2.99 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also shrank its loan book 1.9% over the year, lower than about three-quarters of banks its size (median 5.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $14 million equal 35% of Tier 1 capital, down from 44% a year earlier. Net income for the quarter rose 27% from a year earlier, to $540,000. Profitability lags: it earns about $0.67 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, The Farmers Bank of Milton reported a CET1 capital ratio of 19.43%, a return on assets of 0.67%, a nonperforming-loan ratio of 1.26% and a Texas ratio of 8.30%. The figures come from its call report filed with the FFIEC.
The Farmers Bank of Milton ranks as the 59th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.5% to $305.1M, loans fell 2.2% and deposits fell 1.2%. 1-4 family residential loans made up 63.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 10.8%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities across 2 states; its Milton office books 42% of its branch deposits. On its Q2 2026 call report, The Farmers Bank of Milton meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 41 Ferry St, Milton, KY 40045
- County
- Trimble
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $253.4M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $73K
- Average total assets
- $322.4M
- Average total loans
- $208.6M
- Average interest-bearing deposits
- $197.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12163
- Fed RSSD
- 265340
- Website
- fbmilton.com →
- Parent Holding Company
- FARMERS FINANCIAL CORPORATION (RSSD 3017700)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Farmers Bank of Milton's total assets ran between $297.1M (Q3 2023) and $313.0M (Q3 2024), 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
$305.1M total assets against $310.6M; $275.5M total liabilities against $284.6M.
$205.3M net loans and leases against $209.3M; $253.4M total deposits against $256.4M.
$77.8M securities against $78.8M; $5.8M cash and balances due against $5.2M.
$3.8M total interest income against $3.8M; $1.6M total interest expense against $1.7M.
$2.3M net interest income against $2.1M.
$209K total noninterest income against $212K; $1.7M total noninterest expense against $1.8M.
$60K provision for credit losses against $0.
$540K net income against $424K.
0.67% return on assets against 0.52%; 2.99% net interest margin against 2.77%.
19.43% CET1 capital ratio against 18.25%; 12.57% tier 1 leverage ratio against 11.98%.
Inside the full The Farmers Bank of Milton terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Farmers Bank of Milton rankings
Its closest position to the top of a national ranking is 373 of 2,134, for CET1 ratio; its furthest is 3,058 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.13% (Q3 2024) to 0.87% (Q4 2025) and its net interest margin ran from 2.40% (Q3 2024) to 3.01% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.43% | 0.67% | 1.26% | 8.30% | 2.99% |
| Q1 2026 | 18.55% | 0.60% | 1.25% | 8.73% | 2.94% |
| Q4 2025 | 18.68% | 0.87% | 1.07% | 7.35% | 3.01% |
| Q3 2025 | 18.57% | 0.51% | 1.03% | 7.29% | 2.84% |
| Q2 2025 | 18.25% | 0.52% | 0.77% | 5.89% | 2.77% |
| Q1 2025 | 17.90% | 0.44% | 0.79% | 6.09% | 2.72% |
| Q4 2024 | 17.56% | 0.59% | 0.77% | 6.22% | 2.61% |
| Q3 2024 | 17.34% | 0.13% | 0.69% | 5.14% | 2.40% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| The Farmers Bank of Milton | Milton , KY | 40045 | $106.1M |
| Lagrange Branch | La Grange , KY | 40031 | $67.7M |
| Madison in Branch | Madison , IN | 47250 | $42.7M |
| Carrollton Branch | Carrollton , KY | 41008 | $27.7M |
| Crestwood Branch | Crestwood , KY | 40014 | $9.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 91 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 The Farmers Bank of Milton
What are The Farmers Bank of Milton's total assets?
As of the Q2 2026 filing, The Farmers Bank of Milton reported total assets of $305.1 million in its FFIEC call report.
Where is The Farmers Bank of Milton headquartered?
It is headquartered in Milton, KY, United States.
When was The Farmers Bank of Milton founded?
It was established in 1902, per the FDIC institution directory.
Is The Farmers Bank of Milton FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12163). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers Bank of Milton?
The Farmers Bank of Milton's primary federal regulator is the FDIC.
What is The Farmers Bank of Milton's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.43% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Farmers Bank of Milton operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers Bank of Milton's Texas Ratio?
Its Texas Ratio is 8.30% 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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