The Farmers National Bank of Danville
The Farmers National Bank of Danville is an FDIC-insured commercial bank headquartered in Danville, KY, supervised by the OCC, with $964.2M in total assets at Q3 2026, down 2.6% from Q3 2025, the 18th largest of 120 banks headquartered in Kentucky. It was established in 1879 and holds FDIC certificate 2740. Its CET1 capital ratio was 13.82% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as FNB of Danville
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2740
- Headquarters
- Danville, KY
- Established
- 1879
- Total assets, Q3 2026
- $964.2M
- Assets vs Q3 2025
- -2.6%
- CET1 ratio, Q3 2026
- 13.82%
- Domestic offices
- 15 branches
- Routing number
- 083901236
- Safety and soundness
- Is The Farmers National Bank of Danville safe?
- Latest call report
- Q3 2026, FFIEC 051 · The Farmers National Bank of Danville call report
- Holding company
- BOYLE BANCORP, INC.
- Asset rank in state
- 18th of 120 in Kentucky
Problem loans are rising at The Farmers National Bank of Danville. Its balance sheet stood at $964 million at September 30, 2026, down 2.6% from a year earlier; it is based in Danville, Kentucky. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.19% of loans from 0.41% a year earlier. It lost 3.0% of its deposits over the year, lower than about three-quarters of the 2,624 banks with $100 million to $1 billion in assets (median 3.8%). It also returns 18.9% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.7%).
Unrealized losses on its securities total $23 million, equal to 21% of Tier 1 capital, against 18% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 1.3% and deposits fell 3.0%. Credit is the area to watch: it carries problem assets equal to 9.2% of the capital and reserves that would absorb them, about triple the median of 3.0% for banks its size.
As of September 30, 2026, The Farmers National Bank of Danville reported a CET1 capital ratio of 13.82%, a return on assets of 1.80%, a nonperforming-loan ratio of 1.19% and a Texas ratio of 9.21%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, The Farmers National Bank of Danville is the 18th largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q2 2026 to Q3 2026), its total assets fell 2.6% to $964.2M, loans fell 2.7% and deposits rose 1.9%. The largest part of its loan book on September 30, 2026 was 1-4 family residential loans, at 41.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 16.8%. The FDIC Summary of Deposits lists 15 offices for it, in 10 cities in KY; its Danville 4 offices book 61% of its branch deposits. Judged on its Q3 2026 call report, The Farmers National Bank of Danville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 304 W Main St, Danville, KY 40422
- County
- Boyle
- Metro Area
- Danville, KY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 10, 1879
- Former names
- The Farmers National Bank of Danville (1983)
- Domestic offices
- 15 branches
- Employees (FTE)
- 208
- Domestic deposits
- $864.3M
- Allowance for credit losses
- $12.3M
- Net charge-offs (YTD)
- $206K
- Average total assets
- $990.9M
- Average total loans
- $783.9M
- Average interest-bearing deposits
- $702.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2740
- Fed RSSD
- 785147
- Website
- www.fnbky.com →
- Parent Holding Company
- BOYLE BANCORP, INC. (RSSD 1119244)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Watch The Farmers National Bank of Danville: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
The Farmers National Bank of Danville's total assets moved between a low of $940.3M (Q2 2024) and a high of $1.00B (Q1 2024) from Q4 2023 to Q3 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$964.2M total assets against $990.2M; $872.9M total liabilities against $900.6M.
$768.8M net loans and leases against $760.9M; $864.3M total deposits against $891.0M.
$126.9M securities against $172.6M; $21.7M cash and balances due against $11.6M.
$14.0M total interest income against $13.8M; $3.5M total interest expense against $4.0M.
$10.5M net interest income against $9.9M.
$4.6M total noninterest income against $4.2M; $9.3M total noninterest expense against $8.5M.
$0 provision for credit losses against $174K.
$4.5M net income against $4.2M.
1.80% return on assets against 1.68%; 4.52% net interest margin against 4.15%.
13.82% CET1 capital ratio against 12.95%; 10.67% tier 1 leverage ratio against 9.96%.
Inside the full The Farmers National Bank of Danville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Farmers National Bank of Danville rankings
Its closest position to the top of a national ranking is 760 of 3,644, for Texas Ratio; its furthest is 1,135 of 2,021, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.60% (Q4 2025) to 1.80% (Q3 2026) and its net interest margin ran from 3.60% (Q2 2025) to 4.52% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 13.82% | 1.80% | 1.19% | 9.21% | 4.52% |
| Q2 2026 | 13.52% | 1.58% | 1.78% | 13.26% | 4.48% |
| Q1 2026 | 13.13% | 1.07% | 1.60% | 12.45% | 4.46% |
| Q4 2025 | 13.11% | 0.60% | 0.45% | 3.54% | 4.30% |
| Q3 2025 | 12.95% | 1.68% | 0.41% | 3.38% | 4.15% |
| Q2 2025 | 12.67% | 1.16% | 0.39% | 3.39% | 3.60% |
| Q1 2025 | 12.91% | 1.64% | 0.47% | 4.17% | 3.78% |
| Q4 2024 | 12.51% | 0.98% | 0.77% | 6.61% | 3.70% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 |
|---|---|---|---|
| The Farmers National Bank of Danville | Danville , KY | 40422 | $425.2M |
| Harrodsburg Branch | Harrodsburg , KY | 40330 | $86.9M |
| Stanford Branch | Stanford , KY | 40484 | $52.7M |
| East Main Branch | Danville , KY | 40422 | $51.6M |
| Perryville Branch | Perryville , KY | 40468 | $40.7M |
| Lancaster Branch | Lancaster , KY | 40444 | $35.5M |
| Burgin Branch | Harrodsburg , KY | 40330 | $31.6M |
| Farmers Deposit Bank Branch | Middleburg , KY | 42541 | $31.5M |
| Liberty Branch | Liberty , KY | 42539 | $25.7M |
| Junction City Branch | Junction City , KY | 40440 | $25.6M |
| Garland Drive Branch | Danville , KY | 40422 | $22.6M |
| Danville Square Branch | Danville , KY | 40422 | $18.3M |
| Legion Drive Wealthsouth Operations Center Branch | Harrodsburg , KY | 40330 | $0 |
| Lexington Branch | Lexington , KY | 40507 | $0 |
| Bowling Green Branch | Bowling Green , KY | 42104 | $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 |
|---|---|---|---|
| February 1, 2020 | Structure Change | Acquired Farmers Deposit Bank of Middleburg, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1991 | Structure Change | Acquired Citizens Bank & Trust Company, Burgin, Kentucky Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 18, 2006, OCC: Civil Money Penalty (CMP): The Farmers National Bank of Danville
- Period: Most recent institution action January 18, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in KY, rank 28 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 The Farmers National Bank of Danville
What are The Farmers National Bank of Danville's total assets?
As of the Q3 2026 filing, The Farmers National Bank of Danville reported total assets of $964.2 million in its FFIEC call report.
Where is The Farmers National Bank of Danville headquartered?
It is headquartered in Danville, KY, United States.
When was The Farmers National Bank of Danville founded?
It was established in 1879, per the FDIC institution directory.
Is The Farmers National Bank of Danville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2740). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers National Bank of Danville?
The Farmers National Bank of Danville's primary federal regulator is the OCC.
What is The Farmers National Bank of Danville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.82% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Farmers National Bank of Danville operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers National Bank of Danville's Texas Ratio?
Its Texas Ratio is 9.21% in its Q3 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 nonperforming assets against the bank's capital and reserves.
What was The Farmers National Bank of Danville previously called?
The charter now named The Farmers National Bank of Danville has also operated as The Farmers National Bank of Danville (1983), per FDIC structure-change records.
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