Farmers & Traders Bank of Campton
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Data as of · sourced from FFIEC call reports. How we update
Farmers & Traders Bank of Campton is an FDIC-insured commercial bank headquartered in Campton, KY, established in 1902 (FDIC certificate 288), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $67.2M, up 2.8% from Q2 2025, the 112th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 12.76% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 288
- Headquarters
- Campton, KY
- Established
- 1902
- Total assets, Q2 2026
- $67.2M
- Assets vs Q2 2025
- +2.8%
- CET1 ratio, Q2 2026
- 12.76%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 042104579
- Latest call report
- Q2 2026, FFIEC 041 · Farmers & Traders Bank of Campton call report
- Holding company
- MIDDLEFORK FINANCIAL GROUP INC.
- Asset rank in state
- 112th of 120 in Kentucky
Farmers & Traders Bank of Campton operates with a thinner capital cushion than most banks of its size. Based in Campton, Kentucky, it had $67 million in assets at June 30, 2026, up 2.8% from a year earlier. It holds common equity equal to 12.76% of its risk-weighted assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 22.08%). It also holds commercial real estate loans worth 1.7 times its capital, 6.6 times the median of 26% for banks its size.
Loans are outrunning deposits: over the year loans rose 12.8% and deposits rose 2.8%. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.4 million equal 37% of Tier 1 capital, down from 46% a year earlier.
As of June 30, 2026, Farmers & Traders Bank of Campton reported a CET1 capital ratio of 12.76%, a return on assets of 1.22%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.47%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers & Traders Bank of Campton is the 112th largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.2% to $67.2M, loans fell 2.3% and deposits rose 6.0%. 1-4 family residential loans made up 44.6% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 13.9%. The FDIC Summary of Deposits lists a single office for it, in Campton, KY. On its Q2 2026 call report, Farmers & Traders Bank of Campton meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 215 Mountain Parkway Spur Rd, Campton, KY 41301
- County
- Wolfe
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1902
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $58.4M
- Allowance for credit losses
- $445K
- Net charge-offs (YTD)
- $8K
- Average total assets
- $70.2M
- Average total loans
- $42.8M
- Average interest-bearing deposits
- $31.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 288
- Fed RSSD
- 839817
- SEC CIK
- 1270495 → filed by MIDDLEFORK FINANCIAL GROUP INC.
- Website
- www.farmersandtradersbank.com →
- Parent Holding Company
- MIDDLEFORK FINANCIAL GROUP INC. (RSSD 1071539)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Farmers & Traders Bank of Campton's total assets ranged from $65.4M (Q2 2025) to $68.7M (Q1 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
$67.2M total assets against $65.4M; $62.6M total liabilities against $61.5M.
$41.7M net loans and leases against $36.9M; $58.4M total deposits against $56.8M.
$19.9M securities against $23.4M; $2.8M cash and balances due against $2.3M.
$911K total interest income against $845K; $227K total interest expense against $240K.
$684K net interest income against $605K.
$57K total noninterest income against $57K; $513K total noninterest expense against $455K.
$13K provision for credit losses against $8K.
$215K net income against $199K.
1.22% return on assets against 1.16%; 4.14% net interest margin against 3.78%.
12.76% CET1 capital ratio against 12.22%; 9.24% tier 1 leverage ratio against 9.14%.
Inside the full Farmers & Traders Bank of Campton terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.81% (Q3 2024) to 1.43% (Q4 2025) and its net interest margin ran from 3.33% (Q3 2024) to 4.45% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.76% | 1.22% | 0.05% | 0.47% | 4.14% |
| Q1 2026 | 12.02% | 1.27% | 0.05% | 0.48% | 4.45% |
| Q4 2025 | 12.47% | 1.43% | 0.05% | 0.47% | 3.98% |
| Q3 2025 | 12.15% | 1.25% | 0.30% | 2.86% | 3.92% |
| Q2 2025 | 12.22% | 1.16% | 0.28% | 2.79% | 3.78% |
| Q1 2025 | 11.84% | 0.91% | 0.24% | 2.48% | 3.55% |
| Q4 2024 | 11.83% | 1.21% | 0.31% | 3.44% | 3.42% |
| Q3 2024 | 11.60% | 0.81% | 0.32% | 3.10% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Farmers & Traders Bank of Campton (main office) | Campton , KY | 41301 | $58.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 138 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Farmers & Traders Bank of Campton
What are Farmers & Traders Bank of Campton's total assets?
As of the Q2 2026 filing, Farmers & Traders Bank of Campton reported total assets of $67.2 million in its FFIEC call report.
Where is Farmers & Traders Bank of Campton headquartered?
It is headquartered in Campton, KY, United States.
When was Farmers & Traders Bank of Campton founded?
It was established in 1902, per the FDIC institution directory.
Is Farmers & Traders Bank of Campton FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #288). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers & Traders Bank of Campton?
Farmers & Traders Bank of Campton's primary federal regulator is the FDIC.
What is Farmers & Traders Bank of Campton's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.76% in its Q2 2026 call report, above regulatory requirements.
How many branches does Farmers & Traders Bank of Campton operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers & Traders Bank of Campton's Texas Ratio?
Its Texas Ratio is 0.47% 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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