Bank Safety Analysis
Is The Farmers National Bank of Danville Safe? Danville, Kentucky
Based on its Q3 2026 call report, The Farmers National Bank of Danville meets every capital ratio test for well capitalized, its Texas ratio is 9.21%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The Farmers National Bank of Danville safe?
On its Q3 2026 call report, The Farmers National Bank of Danville's CET1 ratio is 13.82%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 13.82%
- Tier 1 leverage ratio (Q3 2026): 10.67%
- Texas ratio (Q3 2026): 9.21%
- Noncurrent loans ratio (Q3 2026): 1.19%
The Farmers National Bank of Danville is an FDIC-insured commercial bank (FDIC Certificate #2740). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The Farmers National Bank of Danville (FDIC Certificate #2740) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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The Farmers National Bank of Danville passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The standout move of Q3 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.59 percentage points lower than in Q2 2026, at 1.19%. Within Kentucky, The Farmers National Bank of Danville is 40th of 60 on CET1 ratio, 13.82% as of Q3 2026. The Farmers National Bank of Danville reported 13.82% on CET1 ratio for Q3 2026, 1.42 points below the 15.24% median for banks in the $100M-1B asset tier.
From Q4 2023 to Q3 2026, The Farmers National Bank of Danville's CET1 ratio ranged between 12.29% (Q1 2024) and 13.82% (Q3 2026) and its Texas ratio ranged between 3.38% (Q3 2025) and 13.26% (Q2 2026). Between Q3 2025 and Q3 2026, The Farmers National Bank of Danville's CET1 ratio rose from 12.95% to 13.82%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.41% to 1.19%, Texas ratio rose from 3.38% to 9.21% and return on assets rose from 1.68% to 1.80%.
Of the 120 banks headquartered in Kentucky, The Farmers National Bank of Danville is the 18th largest by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $325.5M of $781.1M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, The Farmers National Bank of Danville's CET1 ratio of 13.82% is below the 15.24% median, Tier 1 leverage ratio of 10.67% is below the 11.09% median, nonperforming loans ratio of 1.19% is above the 0.43% median, Texas ratio of 9.21% is above the 2.96% median, and efficiency ratio of 61.11% is below the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
The Farmers National Bank of Danville's composite risk score is 0.53 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does The Farmers National Bank of Danville score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 15.24%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does The Farmers National Bank of Danville trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 13.82% | Within range |
| Texas ratio BankRegReports band | 9.21% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.19% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 90.37% | Within range |
| Commercial real estate to capital supervisory threshold | 178.39% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 13.82% |
| Q2 2026 | 13.52% |
| Q1 2026 | 13.13% |
| Q4 2025 | 13.11% |
| Q3 2025 | 12.95% |
| Q2 2025 | 12.67% |
| Q1 2025 | 12.91% |
| Q4 2024 | 12.51% |
| Q3 2024 | 12.51% |
| Q2 2024 | 12.34% |
| Q1 2024 | 12.29% |
| Q4 2023 | 12.33% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 9.21% |
| Q2 2026 | 13.26% |
| Q1 2026 | 12.45% |
| Q4 2025 | 3.54% |
| Q3 2025 | 3.38% |
| Q2 2025 | 3.39% |
| Q1 2025 | 4.17% |
| Q4 2024 | 6.61% |
| Q3 2024 | 4.82% |
| Q2 2024 | 5.00% |
| Q1 2024 | 4.64% |
| Q4 2023 | 4.23% |
Loans by type, Q3 2026
- 1-4 family residential loans: $325.5M
- Non-owner-occupied commercial real estate loans: $131.1M
- Owner-occupied commercial real estate loans: $81.4M
- Agricultural production loans: $62.0M
- Commercial and industrial loans: $50.6M
- Construction and land development loans: $41.3M
- Multifamily loans: $37.6M
- Other consumer loans: $9.5M
How have The Farmers National Bank of Danville's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $964.2M | 13.82% | 10.67% | 1.19% | 9.21% | 61.11% |
| Jun 30, 2026 | $989.8M | 13.52% | 10.58% | 1.78% | 13.26% | 63.87% |
| Mar 31, 2026 | $983.4M | 13.13% | 10.40% | 1.60% | 12.45% | 61.79% |
| Dec 31, 2025 | $990.4M | 13.11% | 10.15% | 0.45% | 3.54% | 68.33% |
| Sep 30, 2025 | $990.2M | 12.95% | 9.96% | 0.41% | 3.38% | 59.51% |
| Jun 30, 2025 | $1.00B | 12.67% | 9.43% | 0.39% | 3.39% | 65.81% |
| Mar 31, 2025 | $979.1M | 12.91% | 8.61% | 0.47% | 4.17% | 57.56% |
| Dec 31, 2024 | $966.1M | 12.51% | 9.31% | 0.77% | 6.61% | 73.20% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The Farmers National Bank of Danville FDIC insured?
Yes. The Farmers National Bank of Danville is an FDIC-insured commercial bank (FDIC Certificate #2740). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The Farmers National Bank of Danville well capitalized?
On its Q3 2026 call report, The Farmers National Bank of Danville's CET1 ratio is 13.82%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are The Farmers National Bank of Danville's key safety ratios?
For Q3 2026, The Farmers National Bank of Danville reports CET1 13.82%, leverage 10.67%, Texas ratio 9.21%, noncurrent loans 1.19%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if The Farmers National Bank of Danville fails?
For Q3 2026, The Farmers National Bank of Danville reported $864.3M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full The Farmers National Bank of Danville profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio The Farmers National Bank of Danville is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 2740) · FFIEC NIC profile (RSSD 785147)
Explore: Full The Farmers National Bank of Danville profile · Other banks in KY · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.