Farmers Bank & Trust Company (Marion, KY)
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Data as of · sourced from FFIEC call reports. How we update
Farmers Bank & Trust Company is an FDIC-insured commercial bank headquartered in Marion, KY, established in 1899 (FDIC certificate 12869), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $794.0M, up 12.6% from Q2 2025, the 23rd largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 11.43% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12869
- Headquarters
- Marion, KY
- Established
- 1899
- Total assets, Q2 2026
- $794.0M
- Assets vs Q2 2025
- +12.6%
- CET1 ratio, Q2 2026
- 11.43%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 083902316
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Bank & Trust Company call report
- Holding company
- FARMERS BANCORP, INC. OF MARION, KENTUCKY
- Asset rank in state
- 23rd of 120 in Kentucky
Farmers Bank & Trust Company is one of the more profitable banks of its size. The Marion, Kentucky bank had $794 million in assets at June 30, 2026, up 12.6% from a year earlier. It returns 20.8% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it holds common equity equal to 11.43% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $3.6 million, 31% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($77 million) is worsening: 0.68% of it is past due or on nonaccrual, up from 0.06% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Farmers Bank & Trust Company reported a CET1 capital ratio of 11.43%, a return on assets of 1.86%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 2.10%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Farmers Bank & Trust Company is the 23rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.9% to $794.0M, loans rose 2.1% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 43.7% of total loans, followed by non-owner-occupied commercial real estate loans at 11.6%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities in KY; its Marion 2 offices book 21% of its branch deposits. Judged on its Q2 2026 call report, Farmers Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Main St, Marion, KY 42064
- County
- Crittenden
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 1, 1899
- Former names
- Farmers Bank and Trust Company (2008); Farmers Bank & Trust Company, of Marion, Kentucky (1987-2008)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 104
- Domestic deposits
- $699.2M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- $61K
- Average total assets
- $780.2M
- Average total loans
- $655.8M
- Average interest-bearing deposits
- $597.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12869
- Fed RSSD
- 262741
- SEC CIK
- 818087 → filed by FARMERS BANCORP, INC. OF MARION, KENTUCKY
- Website
- www.farmers247.com →
- Parent Holding Company
- FARMERS BANCORP, INC. OF MARION, KENTUCKY (RSSD 1246962)
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
From Q3 2023 to Q2 2026, Farmers Bank & Trust Company's total assets ranged from $662.1M (Q3 2023) to $794.0M (Q2 2026), 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
$794.0M total assets against $705.0M; $723.0M total liabilities against $643.0M.
$655.2M net loans and leases against $588.1M; $699.2M total deposits against $639.9M.
$67.1M securities against $67.0M; $38.1M cash and balances due against $19.4M.
$11.6M total interest income against $10.7M; $4.0M total interest expense against $4.0M.
$7.6M net interest income against $6.6M.
$1.3M total noninterest income against $900K; $5.0M total noninterest expense against $4.5M.
$225K provision for credit losses against $225K.
$3.6M net income against $2.8M.
1.86% return on assets against 1.55%; 4.13% net interest margin against 3.94%.
11.43% CET1 capital ratio against 11.07%; 9.24% tier 1 leverage ratio against 9.10%.
Inside the full Farmers Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Farmers Bank & Trust Company rankings
Its closest position to the top of a national ranking is 656 of 3,611, for ROA; its furthest is 1,860 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.38% (Q3 2024) to 1.87% (Q1 2026) and its net interest margin ran from 3.43% (Q3 2024) to 4.13% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.43% | 1.86% | 0.23% | 2.10% | 4.13% |
| Q1 2026 | 11.23% | 1.87% | 0.23% | 2.18% | 4.08% |
| Q4 2025 | 10.74% | 1.76% | 0.29% | 2.77% | 4.09% |
| Q3 2025 | 10.97% | 1.70% | 0.42% | 4.33% | 4.01% |
| Q2 2025 | 11.07% | 1.55% | 0.15% | 1.75% | 3.94% |
| Q1 2025 | 11.05% | 1.55% | 0.11% | 1.87% | 3.79% |
| Q4 2024 | 10.58% | 1.45% | 0.08% | 1.66% | 3.55% |
| Q3 2024 | 10.42% | 1.38% | 0.17% | 1.83% | 3.43% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Farmers Bank and Trust Company | Marion , KY | 42064 | $148.0M |
| Bowling Green Scottsville Road Office Branch | Bowling Green , KY | 42104 | $134.3M |
| Madisonville Office Branch | Madisonville , KY | 42431 | $88.5M |
| Henderson Green Street Office | Henderson , KY | 42420 | $81.1M |
| Central City Office Branch | Central City , KY | 42330 | $68.8M |
| Salem Office | Salem , KY | 42078 | $64.1M |
| Greenville Office Branch | Greenville , KY | 42345 | $58.8M |
| Calhoun Office Branch | Calhoun , KY | 42327 | $36.4M |
| Livermore Office Branch | Livermore , KY | 42352 | $19.1M |
| Marion North Main Branch | Marion , KY | 42064 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 28, 2019 | Structure Change | Acquired First State Bank, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 27, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in KY, rank 36 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 315 applications, 251 loans originated, $70.1M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $539K approved, $539K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Farmers Bank & Trust Company
What are Farmers Bank & Trust Company's total assets?
As of the Q2 2026 filing, Farmers Bank & Trust Company reported total assets of $794.0 million in its FFIEC call report.
Where is Farmers Bank & Trust Company headquartered?
It is headquartered in Marion, KY, United States.
When was Farmers Bank & Trust Company founded?
It was established in 1899, per the FDIC institution directory.
Is Farmers Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12869). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Bank & Trust Company?
Farmers Bank & Trust Company's primary federal regulator is the FDIC.
What is Farmers Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.43% in its Q2 2026 call report, above regulatory requirements.
How many branches does Farmers Bank & Trust Company operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 2.10% 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.
What was Farmers Bank & Trust Company previously called?
The charter now named Farmers Bank & Trust Company has also operated as Farmers Bank and Trust Company (2008), Farmers Bank & Trust Company, of Marion, Kentucky (1987-2008), per FDIC structure-change records.
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