Kentucky Farmers Bank Corporation
Also written as KFB Corporation
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Data as of · sourced from FFIEC call reports. How we update
Kentucky Farmers Bank Corporation is an FDIC-insured commercial bank headquartered in Ashland, KY, supervised by the FDIC, with $328.5M in total assets at Q2 2026, up 6.8% from Q2 2025, the 58th largest of 120 banks headquartered in Kentucky. It was established in 1931 and holds FDIC certificate 267. Its CET1 capital ratio was 27.32% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 267
- Headquarters
- Ashland, KY
- Established
- 1931
- Total assets, Q2 2026
- $328.5M
- Assets vs Q2 2025
- +6.8%
- CET1 ratio, Q2 2026
- 27.32%
- Domestic offices
- 5 · Kentucky Farmers Bank Corporation branches FDIC institution directory, current count
- Routing number
- 042101572
- Safety and soundness
- Is Kentucky Farmers Bank Corporation safe?
- Latest call report
- Q2 2026, FFIEC 051 · Kentucky Farmers Bank Corporation call report
- Holding company
- KFB HOLDINGS, INC.
- Asset rank in state
- 58th of 120 in Kentucky
Kentucky Farmers Bank Corporation is one of the more profitable banks of its size. The Ashland, Kentucky bank had $328 million in assets at June 30, 2026, up 6.8% from a year earlier. It earns about $2.21 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also holds common equity equal to 27.32% of its risk-weighted assets, about double the median of 15.12% for banks its size. A wide margin does most of the work: it keeps 4.61 cents of net interest income on every dollar of earning assets.
Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.43% of loans, against 0.14% a year earlier. Net income for the quarter rose 17% from a year earlier, to $1.8 million.
As of June 30, 2026, Kentucky Farmers Bank Corporation reported a CET1 capital ratio of 27.32%, a return on assets of 2.21%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 1.37%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Kentucky Farmers Bank Corporation is the 58th largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.8% to $328.5M, loans rose 1.0% and deposits rose 2.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 51.8% of total loans, followed by non-owner-occupied commercial real estate loans at 14.1%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Ashland 2 offices book 74% of its branch deposits. On its Q2 2026 call report, Kentucky Farmers Bank Corporation meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2500 Broadway St, Ashland, KY 41129
- County
- Boyd
- Metro Area
- Huntington-Ashland, WV-KY-Oh
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1931
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 73
- Domestic deposits
- $276.1M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $43K
- Average total assets
- $327.0M
- Average total loans
- $167.1M
- Average interest-bearing deposits
- $203.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 267
- Fed RSSD
- 683814
- Website
- www.kfb.bank →
- Parent Holding Company
- KFB HOLDINGS, INC. (RSSD 5907083)
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
Over the 12 quarters to Q2 2026, Kentucky Farmers Bank Corporation's total assets ran between $272.9M (Q3 2023) and $331.2M (Q4 2025), 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
$328.5M total assets against $307.5M; $277.3M total liabilities against $262.3M.
$166.1M net loans and leases against $161.1M; $276.1M total deposits against $261.1M.
$118.9M securities against $104.3M; $30.1M cash and balances due against $28.6M.
$4.2M total interest income against $4.1M; $831K total interest expense against $1.0M.
$3.4M net interest income against $3.1M.
$728K total noninterest income against $566K; $2.3M total noninterest expense against $2.0M.
$39K provision for credit losses against $151K.
$1.8M net income against $1.5M.
2.21% return on assets against 1.96%; 4.61% net interest margin against 4.39%.
27.32% CET1 capital ratio against 26.68%; 15.70% tier 1 leverage ratio against 15.64%.
Inside the full Kentucky Farmers Bank Corporation terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeKentucky Farmers Bank Corporation rankings
Its closest position to the top of a national ranking is 117 of 2,134, for CET1 ratio; its furthest is 2,520 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.79% (Q1 2025) to 2.27% (Q4 2025) and its net interest margin ran from 4.30% (Q1 2025) to 4.67% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 27.32% | 2.21% | 0.43% | 1.37% | 4.61% |
| Q1 2026 | 26.76% | 2.02% | 0.16% | 0.70% | 4.47% |
| Q4 2025 | 27.61% | 2.27% | 0.07% | 0.46% | 4.67% |
| Q3 2025 | 26.84% | 1.96% | 0.12% | 0.61% | 4.48% |
| Q2 2025 | 26.68% | 1.96% | 0.14% | 0.73% | 4.39% |
| Q1 2025 | 26.41% | 1.79% | 0.22% | 0.73% | 4.30% |
| Q4 2024 | 26.45% | 1.89% | 0.09% | 0.32% | 4.46% |
| Q3 2024 | 28.20% | 2.01% | 0.09% | 0.27% | 4.67% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Suburban Branch | Ashland , KY | 41102 | $150.0M |
| Kentucky Farmers Bank Corporation (main office) | Catlettsburg , KY | 41129 | $53.5M |
| Ashland Office Branch | Ashland , KY | 41101 | $53.4M |
| Louisa Community Bank Branch | Louisa , KY | 41230 | $13.8M |
| Wheelersburg Branch | Wheelersburg , OH | 45694 | $5.3M |
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 |
|---|---|---|---|
| October 26, 2019 | Structure Change | Acquired Louisa Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 25, 2019 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 77 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 161 applications, 92 loans originated, $14.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $750K approved, $375K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Kentucky Farmers Bank Corporation
What are Kentucky Farmers Bank Corporation's total assets?
As of the Q2 2026 filing, Kentucky Farmers Bank Corporation reported total assets of $328.5 million in its FFIEC call report.
Where is Kentucky Farmers Bank Corporation headquartered?
It is headquartered in Ashland, KY, United States.
When was Kentucky Farmers Bank Corporation founded?
It was established in 1931, per the FDIC institution directory.
Is Kentucky Farmers Bank Corporation FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #267). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Kentucky Farmers Bank Corporation?
Kentucky Farmers Bank Corporation's primary federal regulator is the FDIC.
What is Kentucky Farmers Bank Corporation's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 27.32% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Kentucky Farmers Bank Corporation operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Kentucky Farmers Bank Corporation's Texas Ratio?
Its Texas Ratio is 1.37% 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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