The Farmers Bank of Milton: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Farmers Bank of Milton of Milton, KY against its peer group of 2672 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 | 0.67% | 1.35% | -0.68% | 18th bottom |
| ROAE | 7.43% | 12.06% | -4.63% | 23rd bottom |
| Net Interest Margin | 2.99% | 3.90% | -0.91% | 10th bottom |
| Efficiency Ratio | 68.63% | 63.15% | +5.48% | 31st below |
| PPNR / Avg Assets | 0.92% | 1.64% | -0.72% | 18th bottom |
| Yield on Earning Assets | 5.00% | 5.65% | -0.65% | 24th bottom |
| Cost of Funds | 2.20% | 1.85% | +0.35% | 26th below |
| Net Interest Spread | 2.21% | 3.35% | -1.14% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.26% | 0.92% | +0.34% | 23rd bottom |
| NPA / Total Assets | 0.85% | 0.67% | +0.18% | 24th bottom |
| NCO / Avg Loans | 0.15% | 0.15% | +0.00% | 15th bottom |
| ACL / Total Loans | 0.81% | 1.28% | -0.47% | 11th bottom |
| ACL / NPLs (Coverage) | 64.91% | 1645.81% | -1580.90% | 16th bottom |
| Texas Ratio | 8.30% | 7.15% | +1.15% | 27th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 178.08% | 1189.81% | -1011.73% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.43% | 20.83% | -1.40% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.43% | 20.86% | -1.43% | 75th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.24% | 21.94% | -1.70% | 74th above |
| Leverage Ratio | 12.57% | 12.46% | +0.11% | 71st above |
| Equity / Assets | 9.72% | 11.67% | -1.95% | 40th below |
| TCE / Tangible Assets | 9.72% | 11.40% | -1.68% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.70% | 78.64% | +3.06% | 48th below |
| Core Deposit Ratio | 81.96% | 87.10% | -5.14% | 20th bottom |
| Wholesale Funding Ratio | 7.05% | 5.11% | +1.94% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.75% | 6.48% | -8.23% | 11th bottom |
| Loan Growth (Y/Y) | -1.86% | 7.64% | -9.50% | 16th bottom |
| Deposit Growth (Y/Y) | -1.18% | 6.03% | -7.21% | 17th bottom |
See The Farmers Bank of Milton's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Farmers Bank of Milton, 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 The Farmers Bank of Milton profile, how to read a UBPR, or how this data updates.