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Kentucky Farmers Bank Corporation
Catlettsburg, KY · FDIC Certificate #267 · Chartered 01/0
Total assets
$328.45M
Total deposits
$276.09M
Total equity
$51.14M
Net loans
$166.06M
Branches (offices)
5
Net income (YTD)
$3.46M
Rank: #2,345 of 4,213 U.S. banks by assets · #58 of 120 in Kentucky. Assets changed 6.8% and deposits 5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.12% |
| Return on equity | 13.81% |
| Net interest margin (YTD) | 4.30% |
| Equity to assets | 15.57% |
| Tier 1 leverage ratio | 15.70% |
| Uninsured deposits (share of deposits) | 32.1% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 60.1% |
| Real estate loans (share of loans) | 84.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $140.69M | 84.7% | |
| Commercial & industrial | $11.11M | 6.7% | |
| Consumer / individual | $9.39M | 5.7% | |
| Construction & development | $8.58M | 5.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $260.61M | $223.89M | $2.74M | $35.94M |
| Jun 2023 | $280.22M | $237.93M | $3.58M | $41.42M |
| Jun 2024 | $277.83M | $229.82M | $2.52M | $46.72M |
| Jun 2025 | $307.45M | $261.08M | $2.94M | $45.10M |
| Jun 2026 | $328.45M | $276.09M | $3.46M | $51.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $270.77M | 4 |
| Ohio | $5.32M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $276.09M.
Similar-sized banks
Altoona First Savings Bank ($328.62M) · First State Bank Of Forrest ($328.26M)
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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