The Farmers Bank
Nicholasville, KY
IDRSSD: 485214
Total Assets
$269.29M
Latest filing
Total Deposits
$238.79M
Latest filing
Net Interest Margin
3.66%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Farmers Bank
200 N Main St
Nicholasville, KY 40356
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 9326
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Farmers Bank (Main) | 200 N Main St | Nicholasville, KY |
| WILMORE BRANCH | 213 E Main St | Wilmore, KY |
| BRANNON CROSSING BRANCH | 110 E Brannon Rd | Nicholasville, KY |
| BELL PLACE BRANCH | 201 Bellaire Dr | Nicholasville, 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 | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40356 |
| State and County Number | 21113 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| 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 | Lexington-Fayette, KY |
Operational Info
| Number of Employees | 32 |
| 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 | 11/30/1934 |
| Primary Insurance Agency | DIF |
| Website | www.MyFarmersBank.net |
| Data Updated | 01/30/2026 |
| CERT | 14894 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $269.29M |
| Total Deposits | $238.79M |
| Total Liabilities | $240.99M |
| Total Equity Capital | $28.30M |
| Net Income | $789.00k |
| Net Loans and Leases | $183.63M |
| Assets Per Employee ($Millions) | $8.16M |
| Bank Premises and Fixed Assets | $2.94M |
| Cash and Balances due from Depository Institutions | $33.84M |
| Deposits Held in Domestic Offices | $238.79M |
Key Performance Ratios
| Return on Assets (ROA) | 1.23% |
| Return on Equity (ROE) | 11.32% |
| Net Interest Margin | 3.66% |
| Efficiency Ratio | 56.69% |
| Tier 1 Risk-Based Capital Ratio | 18.018% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.511% |
| Earning Assets to total Assets | 96.69% |
Income and Expense
| Total Interest Income | $3.44M |
| Total Noninterest Income | $227.00k |
| Total Interest Expense | $1.16M |
| Total Noninterest Expense | $1.42M |
| Net Interest Income | $2.28M |
| Pre-tax Net Operating Income | $1.03M |
| Provision for Credit Losses | $59.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.96M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.20M |
| Total Liabilities and Capital | $269.29M |
Securities
| Securities | $44.73M |
| Available-for-sale debt securities | $19.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $24.78M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Farmers Bank?
$269.29M as of the latest filing.
How much are The Farmers Bank's total deposits?
$238.79M in total deposits.
Where is The Farmers Bank located?
Nicholasville, KY.
What is the Net Interest Margin?
3.66%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.23%.
How much are total loans and leases?
$183.63M (latest filing).
What is the total interest income (latest filing)?
$3.44M.