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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lebanon, KY · FDIC certificate #2754
FARMERS NB OF LEBANON is an FDIC-insured institution based in Lebanon, KY (FDIC certificate #2754). In its Q3 2026 Call Report it reported total assets of $166M, total deposits of $149M and net loans of $111M. Its primary federal regulator is OCC.
Plain-language readout
FARMERS NB OF LEBANON has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $166M in Q3 2026 and were lowest at $163M in Q1 2026.
Total deposits were highest at $149M in Q3 2026 and lowest at $146M in Q2 2026.
Over the whole period total assets rose 2.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $166M | $149M | $111M | 0.99% | 9.91% | 3.84% |
| Q2 2026 | $163M | $146M | $115M | 1.09% | 10.82% | 3.85% |
| Q1 2026 | $163M | $146M | $110M | 0.99% | 9.80% | 3.81% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.7M | $6.0M | -$215K | -3.6% |
| Federal funds sold | $4.1M | $6.7M | -$2.6M | -39.4% |
| 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) | $33.0M | $34.5M | -$1.5M | -4.4% |
| 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) | $114.7M | $109.9M | +$4.8M | +4.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.4M | $2.5M | -$42K | -1.7% |
| 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 | $3.1M | $3.1M | +$34K | +1.1% |
| Total assets | $163.0M | $162.6M | +$414K | +0.3% |
| Liabilities | ||||
| Total deposits | $145.5M | $145.6M | -$47K | -0.0% |
| 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 | $1.1M | $1.0M | +$86K | +8.5% |
| Total liabilities | $146.6M | $146.6M | +$39K | +0.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $150K | $150K | $0K | 0.0% |
| Surplus | $1.1M | $1.1M | $0K | 0.0% |
| Retained earnings | $17.2M | $16.9M | +$338K | +2.0% |
| Accumulated other comprehensive income | -$2.1M | -$2.1M | +$37K | +1.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $16.4M | $16.0M | +$375K | +2.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $6K | -$6K | -100.0% |
| Adjusted nonperforming assets | $0K | $6K | -$6K | -100.0% |
| Tangible equity plus allowance | $17.4M | $17.1M | +$376K | +2.2% |
| Texas ratio (gross) | 0.00% | 0.04% | -0.04 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.04% | -0.04 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.04% | -0.04 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.72% | 11.29% | -0.57 pts | See points |
| Construction and land loans to total capital | 38.68% | 37.26% | +1.42 pts | See points |
| Commercial real estate to total capital | 197.84% | 194.71% | +3.13 pts | See points |
| Dividend payout, year to date | 16.24% | 0.00% | +16.24 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -17.07% | -17.74% | +0.67 pts | See points |
| Liquidity | ||||
| Core deposits | $129.5M | $130.7M | -$1.2M | -0.9% |
| Non-core funding | $16.0M | $14.8M | +$1.2M | +8.0% |
| Loans to core deposits | 89.39% | 84.87% | +4.52 pts | See points |
| Loans to deposits | 79.54% | 76.22% | +3.32 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 40.83% | 39.31% | +1.52 pts | See points |
| Loans pledged, share of loans | 31.86% | 32.10% | -0.24 pts | See points |
| Volatile liabilities | $16.0M | $14.8M | +$1.2M | +8.0% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $557K | +$632K | +113.5% |
| Earnings before provision, single quarter | $632K | $557K | +$75K | +13.5% |
| Provision for credit losses, year to date | $48K | $53K | -$5K | -9.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.74% | 6.65% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 3.67% | 4.63% | -0.96 pts | See points |
| Total interest income to average assets | 5.27% | 5.25% | +0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 0.33% | 0.06% | +0.27 pts | See points |
| Cost of savings and money market deposits | 0.31% | 0.30% | +0.02 pts | See points |
| Cost of time deposits | 4.04% | 3.98% | +0.06 pts | See points |
| Total interest expense to average assets | 1.75% | 1.65% | +0.09 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 | $166M | $149M | $111M | 0.99% | 9.91% | 3.84% |
| 2026-06-30 | $163M | $146M | $115M | 1.09% | 10.82% | 3.85% |
| 2026-03-31 | $163M | $146M | $110M | 0.99% | 9.80% | 3.81% |
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 | $126.7M | 0.10% | 117 | Continuing · +0.00 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.