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Farmers Bank and Trust Company

Marion, KY
IDRSSD: 262741
Total Assets
$734.77M
Latest filing
Total Deposits
$631.22M
Latest filing
Net Interest Margin
4.01%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date12/01/1899
Community BankYes
Ownership TypeNot Mutual
ZIP42064
State and County Number21055
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees103
Domestic Offices10
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.farmers247.com
Data Updated11/14/2025
CERT12869
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$734.77M
Total Deposits$631.22M
Total Liabilities$669.87M
Total Equity Capital$64.90M
Net Income$3.05M
Net Loans and Leases$609.26M
Assets Per Employee ($Millions)$7.5M
Bank Premises and Fixed Assets$10.63M
Cash and Balances due from Depository Institutions$23.64M
Deposits Held in Domestic Offices$631.22M

Key Performance Ratios

Return on Assets (ROA)1.7%
Return on Equity (ROE)19.26%
Net Interest Margin4.01%
Efficiency Ratio57.82%
Tier 1 Risk-Based Capital Ratio10.969%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.13%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.833%
Earning Assets to total Assets94.44%

Income and Expense

Total Interest Income$10.92M
Total Noninterest Income$967.00k
Total Interest Expense$4.11M
Total Noninterest Expense$4.50M
Net Interest Income$6.81M
Pre-tax Net Operating Income$3.05M
Provision for Credit Losses$225.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$200.00k
Other borrowed funds$30.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$4.90M
All Other Liabilities$3.74M
Total Liabilities and Capital$734.77M

Securities

Securities$69.94M
Available-for-sale debt securities$69.45M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$487.00k
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Farmers Bank and Trust Company?
$734.77M as of the latest filing.
How much are Farmers Bank and Trust Company's total deposits?
$631.22M in total deposits.
Where is Farmers Bank and Trust Company located?
Marion, KY.
What is the Net Interest Margin?
4.01%.
How many domestic offices does it operate?
10.
When was it established?
12/01/1899.
What is the Return on Assets (ROA)?
1.7%.
How much are total loans and leases?
$609.26M (latest filing).
What is the total interest income (latest filing)?
$10.92M.