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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Campton, KY · FDIC certificate #288
FARMERS&TRADERS BK CAMPTON is an FDIC-insured institution based in Campton, KY (FDIC certificate #288). In its Q3 2026 Call Report it reported total assets of $67M, total deposits of $56M and net loans of $43M. Its primary federal regulator is FDIC.
Plain-language readout
FARMERS&TRADERS BK CAMPTON has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $69M in Q1 2026 and were lowest at $67M in Q3 2026.
Total deposits were highest at $58M in Q2 2026 and lowest at $55M in Q1 2026.
Over the whole period total assets fell 3.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $67M | $56M | $43M | 1.19% | 18.40% | 4.35% |
| Q2 2026 | $67M | $58M | $42M | 1.29% | 19.19% | 4.45% |
| Q1 2026 | $69M | $55M | $43M | 1.31% | 19.68% | 4.56% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.5M | $1.8M | -$290K | -16.3% |
| Federal funds sold | $1.3M | $368K | +$906K | +246.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $19.9M | $21.0M | -$1.1M | -5.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $41.7M | $42.7M | -$996K | -2.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.2M | $1.2M | -$20K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $398K | $400K | -$2K | -0.5% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $573K | $573K | $0K | 0.0% |
| All other assets | $727K | $722K | +$5K | +0.7% |
| Total assets | $67.2M | $68.7M | -$1.5M | -2.2% |
| Liabilities | ||||
| Total deposits | $58.4M | $55.0M | +$3.3M | +6.0% |
| Federal funds purchased | $0K | $1.3M | -$1.3M | -100.0% |
| Securities sold under agreements to repurchase | $1.3M | $1.3M | +$8K | +0.6% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.3M | $6.0M | -$3.8M | -62.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $736K | $616K | +$120K | +19.5% |
| Total liabilities | $62.6M | $64.3M | -$1.6M | -2.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $3.3M | $3.3M | +$1K | +0.0% |
| Retained earnings | $3.4M | $3.4M | +$34K | +1.0% |
| Accumulated other comprehensive income | -$2.4M | -$2.5M | +$128K | +5.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $4.6M | $4.5M | +$163K | +3.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $21K | $21K | $0K | 0.0% |
| Adjusted nonperforming assets | $21K | $21K | $0K | 0.0% |
| Tangible equity plus allowance | $4.5M | $4.3M | +$168K | +3.9% |
| Texas ratio (gross) | 0.47% | 0.48% | -0.02 pts | See points |
| Texas ratio (adjusted) | 0.47% | 0.48% | -0.02 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.47% | 0.48% | -0.02 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.76% | 12.02% | +0.74 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.76% | 12.02% | +0.74 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.88% | 0.83% | +0.06 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.65% | 12.85% | +0.80 pts | See points |
| Tier 1 leverage (approximate) | 9.24% | 9.16% | +0.08 pts | See points |
| Construction and land loans to total capital | 85.39% | 112.06% | -26.67 pts | See points |
| Commercial real estate to total capital | 173.55% | 216.88% | -43.34 pts | See points |
| Dividend payout, year to date | 95.43% | 106.73% | -11.29 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -36.94% | -39.13% | +2.20 pts | See points |
| Liquidity | ||||
| Core deposits | $49.6M | $49.9M | -$282K | -0.6% |
| Non-core funding | $12.3M | $13.7M | -$1.5M | -10.8% |
| Loans to core deposits | 84.92% | 86.43% | -1.51 pts | See points |
| Loans to deposits | 72.21% | 78.35% | -6.14 pts | See points |
| Brokered deposits share of deposits | 5.14% | 0.00% | +5.14 pts | See points |
| Pledged securities share of securities | 48.56% | 46.05% | +2.51 pts | See points |
| Loans pledged, share of loans | 18.91% | 16.79% | +2.11 pts | See points |
| Volatile liabilities | $12.3M | $13.7M | -$1.5M | -10.8% |
| Earnings | ||||
| Earnings before provision, year to date | $497K | $269K | +$228K | +84.8% |
| Earnings before provision, single quarter | $228K | $269K | -$41K | -15.2% |
| Provision for credit losses, year to date | $20K | $7K | +$13K | +185.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.60% | 6.37% | +0.23 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 5.19% | 5.36% | -0.17 pts | See points |
| Cost of interest-bearing transaction accounts | 0.18% | 0.18% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.06% | 0.06% | +0.00 pts | See points |
| Cost of time deposits | 3.11% | 3.23% | -0.12 pts | See points |
| Total interest expense to average assets | 1.29% | 1.24% | +0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $67M | $56M | $43M | 1.19% | 18.40% | 4.35% |
| 2026-06-30 | $67M | $58M | $42M | 1.29% | 19.19% | 4.45% |
| 2026-03-31 | $69M | $55M | $43M | 1.31% | 19.68% | 4.56% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $56.8M | 0.05% | 141 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.