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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Nicholasville, KY · FDIC certificate #14894
FARMERS BANK is an FDIC-insured institution based in Nicholasville, KY (FDIC certificate #14894). In its Q3 2026 Call Report it reported total assets of $283M, total deposits of $250M and net loans of $189M. Its primary federal regulator is FDIC.
Plain-language readout
FARMERS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $283M in Q3 2026 and were lowest at $271M in Q1 2026.
Total deposits were highest at $251M in Q2 2026 and lowest at $240M in Q1 2026.
Over the whole period total assets rose 4.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $283M | $250M | $189M | 1.09% | 10.24% | 3.44% |
| Q2 2026 | $283M | $251M | $179M | 1.03% | 9.73% | 3.34% |
| Q1 2026 | $271M | $240M | $180M | 0.97% | 9.20% | 3.35% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $40.6M | $33.7M | +$6.9M | +20.6% |
| Federal funds sold | $3.1M | $5.6M | -$2.5M | -44.0% |
| 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) | $54.5M | $46.3M | +$8.1M | +17.5% |
| 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) | $179.4M | $180.3M | -$940K | -0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.8M | $2.9M | -$38K | -1.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.2M | $2.2M | -$9K | -0.4% |
| Total assets | $282.7M | $271.1M | +$11.6M | +4.3% |
| Liabilities | ||||
| Total deposits | $250.7M | $239.9M | +$10.8M | +4.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.3M | $2.3M | +$56K | +2.5% |
| Total liabilities | $253.0M | $242.2M | +$10.8M | +4.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $6.5M | $6.5M | $0K | 0.0% |
| Retained earnings | $23.6M | $22.9M | +$735K | +3.2% |
| Accumulated other comprehensive income | -$613K | -$650K | +$37K | +5.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $29.7M | $28.9M | +$772K | +2.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $32.2M | $31.4M | +$755K | +2.4% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 19.28% | 18.66% | +0.61 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 19.28% | 18.66% | +0.61 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 20.53% | 19.92% | +0.61 pts | See points |
| Tier 1 leverage (approximate) | 11.00% | 11.08% | -0.07 pts | See points |
| Construction and land loans to total capital | 75.51% | 81.68% | -6.17 pts | See points |
| Commercial real estate to total capital | 145.19% | 152.11% | -6.92 pts | See points |
| Dividend payout, year to date | 2.27% | 2.43% | -0.16 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.52% | -9.10% | +0.58 pts | See points |
| Liquidity | ||||
| Core deposits | $204.6M | $200.4M | +$4.2M | +2.1% |
| Non-core funding | $46.1M | $39.6M | +$6.6M | +16.6% |
| Loans to core deposits | 88.93% | 91.26% | -2.34 pts | See points |
| Loans to deposits | 72.56% | 76.22% | -3.66 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 82.99% | 90.80% | -7.81 pts | See points |
| Loans pledged, share of loans | 51.40% | 50.60% | +0.80 pts | See points |
| Volatile liabilities | $46.1M | $39.6M | +$6.6M | +16.6% |
| Earnings | ||||
| Earnings before provision, year to date | $2.0M | $919K | +$1.1M | +115.3% |
| Earnings before provision, single quarter | $1.1M | $919K | +$141K | +15.3% |
| Provision for credit losses, year to date | $135K | $60K | +$75K | +125.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.77% | 6.59% | +0.18 pts | See points |
| Yield on interest-bearing balances due from banks | 3.32% | 3.39% | -0.06 pts | See points |
| Total interest income to average assets | 5.12% | 5.08% | +0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 1.07% | 1.05% | +0.02 pts | See points |
| Cost of savings and money market deposits | 1.27% | 1.26% | +0.01 pts | See points |
| Cost of time deposits | 3.83% | 3.84% | -0.01 pts | See points |
| Total interest expense to average assets | 1.86% | 1.80% | +0.06 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 | $283M | $250M | $189M | 1.09% | 10.24% | 3.44% |
| 2026-06-30 | $283M | $251M | $179M | 1.03% | 9.73% | 3.34% |
| 2026-03-31 | $271M | $240M | $180M | 0.97% | 9.20% | 3.35% |
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 | $210.9M | 0.17% | 92 | 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.