Farmers Bank & Trust Company: 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.
Reserve coverage of non-performing loans climbed 128.63 percentage points in Q2 2026, from 646.24% to 774.87%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Farmers Bank & Trust Company is 22nd of 119 on return on assets, 1.86% as of Q2 2026, above the middle of the field. Farmers Bank & Trust Company reported 1.86% on return on assets for Q2 2026, 0.60 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.43% |
| Tier 1 risk-based capital ratio | 11.43% |
| Total risk-based capital ratio | 12.16% |
| Tier 1 leverage ratio | 9.24% |
| Equity capital to assets | 8.94% |
| Tangible equity to tangible assets | 8.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.10% |
| Allowance for credit losses to loans | 0.70% |
| Reserve coverage of non-performing loans | 774.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.86% |
| Return on equity | 20.83% |
| Net interest margin | 4.13% |
| Efficiency ratio | 56.32% |
| Yield on earning assets | 6.28% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.37% |
| Core deposits to total deposits | 87.08% |
| Brokered deposits to total deposits | 12.01% |
| Deposits to assets | 88.07% |
| Securities to assets | 8.46% |
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 | 10.87% | 10.87% | 11.61% | 8.98% | 1.13% |
| Q4 2023 | 10.66% | 10.66% | 11.38% | 8.62% | 1.12% |
| Q1 2024 | 10.47% | 10.47% | 11.16% | 8.49% | 1.05% |
| Q2 2024 | 10.46% | 10.46% | 11.12% | 8.61% | 1.32% |
| Q3 2024 | 10.42% | 10.42% | 11.04% | 8.75% | 1.38% |
| Q4 2024 | 10.58% | 10.58% | 11.18% | 8.72% | 1.45% |
| Q1 2025 | 11.05% | 11.05% | 11.69% | 8.90% | 1.55% |
| Q2 2025 | 11.07% | 11.07% | 11.74% | 9.10% | 1.55% |
| Q3 2025 | 10.97% | 10.97% | 11.64% | 9.28% | 1.70% |
| Q4 2025 | 10.74% | 10.74% | 11.41% | 9.09% | 1.76% |
| Q1 2026 | 11.23% | 11.23% | 11.93% | 9.09% | 1.87% |
| Q2 2026 | 11.43% | 11.43% | 12.16% | 9.24% | 1.86% |
Farmers Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank & Trust Company, 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 Farmers Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12869) · FFIEC NIC profile (RSSD 262741)