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Farmers Bank And Trust Company
Princeton, KY · FDIC Certificate #2765 · Chartered 01/0
Total assets
$247.79M
Total deposits
$215.09M
Total equity
$18.83M
Net loans
$186.01M
Branches (offices)
3
Net income (YTD)
$1.99M
Rank: #2,724 of 4,213 U.S. banks by assets · #70 of 120 in Kentucky. Assets changed 11.3% and deposits 5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.63% |
| Return on equity | 22.23% |
| Net interest margin (YTD) | 3.93% |
| Equity to assets | 7.60% |
| Tier 1 leverage ratio | 9.46% |
| Uninsured deposits (share of deposits) | 16.3% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 86.5% |
| Real estate loans (share of loans) | 93.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $173.21M | 93.1% | |
| Commercial & industrial | $9.65M | 5.2% | |
| Consumer / individual | $1.58M | 0.8% | |
| Construction & development | $3.49M | 1.9% | |
| Agricultural | $3.86M | 2.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $200.64M | $186.83M | $1.21M | $12.83M |
| Jun 2023 | $193.78M | $180.44M | $985.00K | $12.25M |
| Jun 2024 | $203.65M | $187.03M | $1.05M | $13.69M |
| Jun 2025 | $222.54M | $203.26M | $1.53M | $14.88M |
| Jun 2026 | $247.79M | $215.09M | $1.99M | $18.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $215.09M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $215.09M.
Similar-sized banks
First Financial Bank ($248.10M) · Drake Bank ($247.44M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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