The Farmers Bank of Milton: 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 Deposits to assets: 1.12 percentage points higher than in Q1 2026, at 83.04%. The Farmers Bank of Milton ranks 105th of 119 Kentucky banks on return on assets, in the lower half at 0.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Farmers Bank of Milton sits 0.58 points lower, at 0.67% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.43% |
| Tier 1 risk-based capital ratio | 19.43% |
| Total risk-based capital ratio | 20.24% |
| Tier 1 leverage ratio | 12.57% |
| Equity capital to assets | 9.72% |
| Tangible equity to tangible assets | 9.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.26% |
| Non-performing assets ratio | 0.85% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 8.30% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | 64.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.67% |
| Return on equity | 7.43% |
| Net interest margin | 2.99% |
| Efficiency ratio | 68.63% |
| Yield on earning assets | 5.00% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.70% |
| Core deposits to total deposits | 81.96% |
| Brokered deposits to total deposits | 3.95% |
| Deposits to assets | 83.04% |
| Securities to assets | 25.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.22% | 18.22% | 19.04% | 12.62% | 0.35% |
| Q4 2023 | 18.23% | 18.23% | 19.06% | 12.59% | 0.63% |
| Q1 2024 | 18.19% | 18.19% | 18.98% | 12.02% | 0.38% |
| Q2 2024 | 17.81% | 17.81% | 18.58% | 11.93% | 0.28% |
| Q3 2024 | 17.34% | 17.34% | 18.12% | 11.64% | 0.13% |
| Q4 2024 | 17.56% | 17.56% | 18.32% | 11.74% | 0.59% |
| Q1 2025 | 17.90% | 17.90% | 18.66% | 11.94% | 0.44% |
| Q2 2025 | 18.25% | 18.25% | 19.01% | 11.98% | 0.52% |
| Q3 2025 | 18.57% | 18.57% | 19.35% | 12.26% | 0.51% |
| Q4 2025 | 18.68% | 18.68% | 19.45% | 12.45% | 0.87% |
| Q1 2026 | 18.55% | 18.55% | 19.34% | 12.48% | 0.60% |
| Q2 2026 | 19.43% | 19.43% | 20.24% | 12.57% | 0.67% |
The Farmers Bank of Milton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank of Milton, 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 The Farmers Bank of Milton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12163) · FFIEC NIC profile (RSSD 265340)