Farmers Bank and Trust Company
Princeton, KY
IDRSSD: 46941
Total Assets
$241.17M
Latest filing
Total Deposits
$213.60M
Latest filing
Net Interest Margin
3.95%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers Bank and Trust Company
111 W Washington St
Princeton, KY 42445
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1900FDIC Certificate 1801
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers Bank and Trust Company (Main) | 111 W Washington St | Princeton, KY |
| HIGHWAY 62 DRIVE THRU ONLY BRANCH | Highway 62 West | Princeton, KY |
| FARMERS BANK EDDYVI | 28 Commerce St. | Eddyville, KY |
| BOWLING GREEN LPO BRANCH | 1039 College St | Bowling Green, KY |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42445 |
| State and County Number | 21033 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 39 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.yournxtbank.com |
| Data Updated | 01/30/2026 |
| CERT | 2765 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $241.17M |
| Total Deposits | $213.60M |
| Total Liabilities | $223.93M |
| Total Equity Capital | $17.25M |
| Net Income | $897.00k |
| Net Loans and Leases | $180.79M |
| Assets Per Employee ($Millions) | $6.18M |
| Bank Premises and Fixed Assets | $1.58M |
| Cash and Balances due from Depository Institutions | $7.82M |
| Deposits Held in Domestic Offices | $213.60M |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 21.22% |
| Net Interest Margin | 3.95% |
| Efficiency Ratio | 62.05% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.15% |
| Earning Assets to total Assets | 92.88% |
Income and Expense
| Total Interest Income | $3.25M |
| Total Noninterest Income | $386.00k |
| Total Interest Expense | $1.07M |
| Total Noninterest Expense | $1.59M |
| Net Interest Income | $2.17M |
| Pre-tax Net Operating Income | $897.00k |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $6.36M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $3.02M |
| All Other Liabilities | $938.00k |
| Total Liabilities and Capital | $241.17M |
Securities
| Securities | $43.21M |
| Available-for-sale debt securities | $41.35M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.86M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers Bank and Trust Company?
$241.17M as of the latest filing.
How much are Farmers Bank and Trust Company's total deposits?
$213.60M in total deposits.
Where is Farmers Bank and Trust Company located?
Princeton, KY.
What is the Net Interest Margin?
3.95%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1900.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$180.79M (latest filing).
What is the total interest income (latest filing)?
$3.25M.