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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Booneville, KY · FDIC certificate #5838
FARMERS STATE BANK is an FDIC-insured institution based in Booneville, KY (FDIC certificate #5838). In its Q3 2026 Call Report it reported total assets of $67M, total deposits of $61M and net loans of $29M. Its primary federal regulator is FDIC.
Plain-language readout
FARMERS STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $69M in Q2 2026 and were lowest at $67M in Q3 2026.
Total deposits were highest at $63M in Q2 2026 and lowest at $61M in Q3 2026.
Over the whole period total assets fell 1.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $67M | $61M | $29M | 1.16% | 15.86% | 4.26% |
| Q2 2026 | $69M | $63M | $28M | 1.13% | 14.64% | 4.22% |
| Q1 2026 | $69M | $62M | $28M | 1.18% | 15.18% | 4.36% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $2.6M | $3.2M | -$539K | -16.9% |
| Federal funds sold | $2.8M | $6.3M | -$3.4M | -54.5% |
| 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) | $33.9M | $28.8M | +$5.0M | +17.4% |
| 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) | $28.0M | $28.3M | -$300K | -1.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.0M | $1.1M | -$25K | -2.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $397K | $400K | -$3K | -0.8% |
| 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 | $544K | $536K | +$8K | +1.5% |
| Total assets | $69.3M | $68.6M | +$741K | +1.1% |
| Liabilities | ||||
| Total deposits | $62.5M | $62.0M | +$470K | +0.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $783K | $752K | +$31K | +4.1% |
| 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 | $734K | $596K | +$138K | +23.2% |
| Total liabilities | $64.0M | $63.4M | +$639K | +1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $50K | $50K | $0K | 0.0% |
| Surplus | $3.0M | $3.0M | -$1K | -0.0% |
| Retained earnings | $4.7M | $4.7M | +$17K | +0.4% |
| Accumulated other comprehensive income | -$2.4M | -$2.5M | +$86K | +3.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $5.3M | $5.2M | +$102K | +2.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $306K | $306K | $0K | 0.0% |
| Adjusted nonperforming assets | $306K | $306K | $0K | 0.0% |
| Tangible equity plus allowance | $5.9M | $5.8M | +$109K | +1.9% |
| Texas ratio (gross) | 5.22% | 5.32% | -0.10 pts | See points |
| Texas ratio (adjusted) | 5.22% | 5.32% | -0.10 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.22% | 5.32% | -0.10 pts | See points |
| Tier 1 capital to risk-weighted assets | 17.53% | 17.54% | -0.01 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 17.53% | 17.54% | -0.01 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 18.78% | 18.79% | -0.00 pts | See points |
| Tier 1 leverage (approximate) | 10.71% | 10.97% | -0.26 pts | See points |
| Construction and land loans to total capital | 37.19% | 43.74% | -6.55 pts | See points |
| Commercial real estate to total capital | 101.31% | 101.96% | -0.66 pts | See points |
| Dividend payout, year to date | 107.73% | 122.89% | -15.15 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -31.27% | -32.45% | +1.18 pts | See points |
| Liquidity | ||||
| Core deposits | $53.8M | $58.2M | -$4.4M | -7.6% |
| Non-core funding | $9.5M | $4.6M | +$4.9M | +107.2% |
| Loans to core deposits | 53.11% | 49.58% | +3.53 pts | See points |
| Loans to deposits | 45.70% | 46.51% | -0.82 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 68.78% | 75.97% | -7.19 pts | See points |
| Loans pledged, share of loans | 10.68% | 11.52% | -0.84 pts | See points |
| Volatile liabilities | $9.5M | $4.6M | +$4.9M | +107.2% |
| Earnings | ||||
| Earnings before provision, year to date | $437K | $239K | +$198K | +82.8% |
| Earnings before provision, single quarter | $198K | $239K | -$41K | -17.2% |
| Provision for credit losses, year to date | $22K | $11K | +$11K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.49% | 6.38% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 3.12% | 2.62% | +0.50 pts | See points |
| Total interest income to average assets | 4.62% | 4.70% | -0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.57% | 0.29% | +0.29 pts | See points |
| Cost of savings and money market deposits | 0.07% | 0.07% | +0.00 pts | See points |
| Cost of time deposits | 2.81% | 2.63% | +0.18 pts | See points |
| Total interest expense to average assets | 0.97% | 0.75% | +0.23 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 | $61M | $29M | 1.16% | 15.86% | 4.26% |
| 2026-06-30 | $69M | $63M | $28M | 1.13% | 14.64% | 4.22% |
| 2026-03-31 | $69M | $62M | $28M | 1.18% | 15.18% | 4.36% |
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 | $56.6M | 0.05% | 142 | 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.