Farmers Bank and Trust Company
Marion, KY
IDRSSD: 262741
Total Assets
$760.09M
Latest filing
Total Deposits
$629.00M
Latest filing
Net Interest Margin
4.08%
Profitability
Key People
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Locations
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Main Office
Farmers Bank and Trust Company
201 S Main St
Marion, KY 42064
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/01/1899FDIC Certificate 8148
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Farmers Bank and Trust Company (Main) | 201 S Main St | Marion, KY |
| CENTRAL CITY OFFICE BRANCH | 110 N 1st St | Central City, KY |
| MARION NORTH MAIN BRANCH | 203 N Main St | Marion, KY |
| SALEM OFFICE | 216 W Main St | Salem, KY |
| LIVERMORE OFFICE BRANCH | 201 E 3rd St | Livermore, KY |
| MADISONVILLE OFFICE BRANCH | 2215 N Main St | Madisonville, KY |
| GREENVILLE OFFICE BRANCH | 112 W Depot St | Greenville, KY |
| CALHOUN OFFICE BRANCH | 1 Veterans Memorial Blvd | Calhoun, KY |
Showing 7 of 9
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 | 12/01/1899 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42064 |
| State and County Number | 21055 |
| 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 | 98 |
| Domestic Offices | 10 |
| 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.farmers247.com |
| Data Updated | 01/30/2026 |
| CERT | 12869 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $760.09M |
| Total Deposits | $629.00M |
| Total Liabilities | $693.43M |
| Total Equity Capital | $66.66M |
| Net Income | $3.28M |
| Net Loans and Leases | $638.74M |
| Assets Per Employee ($Millions) | $7.24M |
| Bank Premises and Fixed Assets | $12.79M |
| Cash and Balances due from Depository Institutions | $12.73M |
| Deposits Held in Domestic Offices | $629.00M |
Key Performance Ratios
| Return on Assets (ROA) | 1.76% |
| Return on Equity (ROE) | 19.96% |
| Net Interest Margin | 4.08% |
| Efficiency Ratio | 56.92% |
| Tier 1 Risk-Based Capital Ratio | 10.741% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.77% |
| Earning Assets to total Assets | 94.26% |
Income and Expense
| Total Interest Income | $11.38M |
| Total Noninterest Income | $948.00k |
| Total Interest Expense | $4.19M |
| Total Noninterest Expense | $4.63M |
| Net Interest Income | $7.19M |
| Pre-tax Net Operating Income | $3.28M |
| Provision for Credit Losses | $225.00k |
| 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 | $60.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.44M |
| Total Liabilities and Capital | $760.09M |
Securities
| Securities | $72.90M |
| Available-for-sale debt securities | $72.43M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $474.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers Bank and Trust Company?
$760.09M as of the latest filing.
How much are Farmers Bank and Trust Company's total deposits?
$629.00M in total deposits.
Where is Farmers Bank and Trust Company located?
Marion, KY.
What is the Net Interest Margin?
4.08%.
How many domestic offices does it operate?
10.
When was it established?
12/01/1899.
What is the Return on Assets (ROA)?
1.76%.
How much are total loans and leases?
$638.74M (latest filing).
What is the total interest income (latest filing)?
$11.38M.