Kentucky Farmers Bank Corporation: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kentucky Farmers Bank Corporation of Ashland, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.21% | 1.35% | +0.86% | 90th top |
| ROAE | 14.58% | 12.05% | +2.53% | 63rd above |
| Net Interest Margin | 4.61% | 3.90% | +0.71% | 83rd top |
| Efficiency Ratio | 52.76% | 63.15% | -10.39% | 75th top |
| PPNR / Avg Assets | 2.23% | 1.64% | +0.59% | 81st top |
| Yield on Earning Assets | 5.68% | 5.65% | +0.03% | 54th above |
| Cost of Funds | 1.21% | 1.85% | -0.64% | 84th top |
| Net Interest Spread | 4.04% | 3.35% | +0.69% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.92% | -0.70% | 62nd above |
| NPA / Total Assets | 0.11% | 0.67% | -0.56% | 68th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 29th below |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 25th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 454.89% | 1645.65% | -1190.76% | 69th above |
| Texas Ratio | 1.62% | 7.15% | -5.53% | 66th above |
| Provision / NCO | -62.79% | 1189.96% | -1252.75% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 27.32% | 20.82% | +6.50% | 91st top |
| Tier 1 Ratio | 27.32% | 20.86% | +6.46% | 91st top |
| Total Capital Ratio | 28.21% | 21.93% | +6.28% | 91st top |
| Leverage Ratio | 15.70% | 12.46% | +3.24% | 89th top |
| Equity / Assets | 15.57% | 11.67% | +3.90% | 90th top |
| TCE / Tangible Assets | 15.57% | 11.40% | +4.17% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.75% | 78.65% | -17.90% | 82nd top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.96% | 87.09% | +0.87% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.83% | 6.47% | +0.36% | 68th above |
| Loan Growth (Y/Y) | 3.03% | 7.64% | -4.61% | 37th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.75% | 6.02% | -0.27% | 62nd above |
See Kentucky Farmers Bank Corporation's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kentucky Farmers Bank Corporation, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Kentucky Farmers Bank Corporation profile, how to read a UBPR, or how this data updates.