The Farmers National Bank of Lebanon
The Farmers National Bank of Lebanon is an FDIC-insured commercial bank headquartered in Lebanon, KY, supervised by the OCC, with $163.0M in total assets at Q2 2026, up 15.3% from Q2 2025, the 92nd largest of 120 banks headquartered in Kentucky. It was established in 1890 and holds FDIC certificate 2754. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as FNB of Lebanon
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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
- 2754
- Headquarters
- Lebanon, KY
- Established
- 1890
- Total assets, Q2 2026
- $163.0M
- Assets vs Q2 2025
- +15.3%
- Tier 1 leverage ratio, Q2 2026
- 10.72%
- Domestic offices
- 2 · The Farmers National Bank of Lebanon branches FDIC institution directory, current count
- Routing number
- 083901728
- Safety and soundness
- Is The Farmers National Bank of Lebanon safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers National Bank of Lebanon Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- LEBANON BANCSHARES, INC.
- Asset rank in state
- 92nd of 120 in Kentucky
The Farmers National Bank of Lebanon, based in Lebanon, Kentucky, reported $163 million in assets at June 30, 2026, up 15.3% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also grew its loan book 35.1% over the year, 6.4 times the median of 5.5% for banks its size.
Net income for the quarter rose 23% from a year earlier, to $477,000. Over the same year, loans grew 35.1% and deposits grew 14.9%.
As of June 30, 2026, The Farmers National Bank of Lebanon reported a return on assets of 1.14%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, The Farmers National Bank of Lebanon is the 92nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $163.0M, loans rose 4.3% and deposits were flat. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 16.6%. Its 2 offices in the FDIC Summary of Deposits are in Lebanon, KY. Judged on its Q2 2026 call report, The Farmers National Bank of Lebanon meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 136 W Main St, Lebanon, KY 40033
- County
- Marion
- 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
- April 1, 1890
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $145.5M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$16K
- Average total assets
- $167.3M
- Average total loans
- $109.8M
- Average interest-bearing deposits
- $105.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2754
- Fed RSSD
- 575348
- Website
- www.farmersnational.bank →
- Parent Holding Company
- LEBANON BANCSHARES, INC. (RSSD 1098451)
Profitability
Q2 annualizedBalance 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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Farmers National Bank of Lebanon reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Farmers National Bank of Lebanon's total assets ranged from $124.7M (Q4 2023) to $163.0M (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
$163.0M total assets against $141.3M; $146.6M total liabilities against $127.6M.
$114.7M net loans and leases against $84.7M; $145.5M total deposits against $126.7M.
$33.0M securities against $36.1M; $9.8M cash and balances due against $15.5M.
$2.2M total interest income against $1.8M; $731K total interest expense against $550K.
$1.5M net interest income against $1.3M.
$172K total noninterest income against $176K; $1.0M total noninterest expense against $926K.
-$5K provision for credit losses against -$3K.
$477K net income against $389K.
1.14% return on assets against 1.08%; 3.73% net interest margin against 3.71%.
10.72% tier 1 leverage ratio against 11.20%.
Inside the full The Farmers National Bank of Lebanon terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Farmers National Bank of Lebanon rankings
Its closest position to the top of a national ranking is 1,930 of 3,606, for efficiency ratio; its furthest is 3,561 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.76% (Q4 2024) to 1.30% (Q3 2025) and its net interest margin ran from 3.56% (Q4 2024) to 3.83% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.72% | 1.14% | 0.00% | 0.00% | 3.73% |
| Q1 2026 | 11.29% | 0.99% | 0.01% | 0.04% | 3.81% |
| Q4 2025 | 11.67% | 0.84% | 0.00% | 0.00% | 3.83% |
| Q3 2025 | 11.55% | 1.30% | 0.04% | 0.25% | 3.78% |
| Q2 2025 | 11.20% | 1.08% | 0.00% | 0.00% | 3.71% |
| Q1 2025 | 11.23% | 0.94% | 0.00% | 0.00% | 3.56% |
| Q4 2024 | 11.23% | 0.76% | 0.00% | 0.00% | 3.56% |
| Q3 2024 | 11.53% | 0.99% | 0.00% | 0.00% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Lebanon | Lebanon , KY | 40033 | $145.5M |
| Campbellsville Highway Branch | Lebanon , KY | 40033 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 111 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $115K approved, $115K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Lebanon
What are The Farmers National Bank of Lebanon's total assets?
As of the Q2 2026 filing, The Farmers National Bank of Lebanon reported total assets of $163.0 million in its FFIEC call report.
Where is The Farmers National Bank of Lebanon headquartered?
It is headquartered in Lebanon, KY, United States.
When was The Farmers National Bank of Lebanon founded?
It was established in 1890, per the FDIC institution directory.
Is The Farmers National Bank of Lebanon FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2754). 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 Lebanon?
The Farmers National Bank of Lebanon's primary federal regulator is the OCC.
How many branches does The Farmers National Bank of Lebanon operate?
It operates 2 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 Lebanon's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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