Farmers Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers Bank & Trust Company of Marion, 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 | 1.86% | 1.34% | +0.52% | 81st top |
| ROAE | 20.83% | 13.31% | +7.52% | 89th top |
| Net Interest Margin | 4.13% | 3.93% | +0.20% | 61st above |
| Efficiency Ratio | 56.32% | 61.14% | -4.82% | 65th above |
| PPNR / Avg Assets | 1.97% | 1.68% | +0.29% | 71st above |
| Yield on Earning Assets | 6.28% | 5.67% | +0.61% | 80th top |
| Cost of Funds | 2.28% | 1.88% | +0.40% | 22nd bottom |
| Net Interest Spread | 3.67% | 3.32% | +0.35% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 74th above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 73rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 39th below |
| ACL / Total Loans | 0.70% | 1.28% | -0.58% | 7th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 774.87% | 1539.32% | -764.45% | 79th top |
| Texas Ratio | 2.10% | 7.34% | -5.24% | 62nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 737.70% | 1396.26% | -658.56% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.43% | 19.51% | -8.08% | 12th bottom |
| Tier 1 Ratio | 11.43% | 19.55% | -8.12% | 12th bottom |
| Total Capital Ratio | 12.16% | 20.63% | -8.47% | 9th bottom |
| Leverage Ratio | 9.24% | 12.14% | -2.90% | 16th bottom |
| Equity / Assets | 8.94% | 11.38% | -2.44% | 26th below |
| TCE / Tangible Assets | 8.42% | 11.10% | -2.68% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.37% | 80.63% | +13.74% | 20th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.08% | 86.86% | +0.22% | 39th below |
| Wholesale Funding Ratio | 2.52% | 5.04% | -2.52% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.62% | 6.85% | +5.77% | 88th top |
| Loan Growth (Y/Y) | 11.46% | 7.90% | +3.56% | 78th top |
| Deposit Growth (Y/Y) | 9.27% | 6.29% | +2.98% | 80th top |
See Farmers Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers Bank & Trust Company, 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 Farmers Bank & Trust Company profile, how to read a UBPR, or how this data updates.