TellerScore

Headquartered in Marion, Kentucky, Farmers Bank and Trust Company is a state-chartered bank with $794.0M in total assets and $699.2M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1899.

Based on its Q2 2026 filing, Farmers Bank and Trust Company scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 49th. Its strongest component is problem-loan coverage (96/100; 2.0%), and its lowest is capital cushion (42/100; 9.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.24%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.23%
Earnings94/100
Return on assets (annualized): 1.86%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 93.7% · 11.8% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.98%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (72 → 74), mostly because the earnings component improved by 12 points.

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202468
Q1 202572
Q2 202572
Q3 202570
Q4 202570
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%7.14%9.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.61%
Q3 20248.75%
Q4 20248.72%
Q1 20258.90%
Q2 20259.10%
Q3 20259.28%
Q4 20259.09%
Q1 20269.09%
Q2 20269.24%
Noncurrent loans
0.08%0.25%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.17%
Q4 20240.08%
Q1 20250.11%
Q2 20250.15%
Q3 20250.42%
Q4 20250.29%
Q1 20260.23%
Q2 20260.23%
Return on assets
1.19%1.53%1.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.19%
Q3 20241.26%
Q4 20241.31%
Q1 20251.55%
Q2 20251.56%
Q3 20251.60%
Q4 20251.64%
Q1 20261.87%
Q2 20261.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$794.0M9.24%0.23%1.86%93.7%
Q1 202674$771.9M9.09%0.23%1.87%91.6%
Q4 202570$760.1M9.09%0.29%1.64%101.5%
Q3 202570$734.8M9.28%0.42%1.60%96.5%
Q2 202572$705.0M9.10%0.15%1.56%91.9%
Q1 202572$708.3M8.90%0.11%1.55%89.7%
Q4 202468$713.3M8.72%0.08%1.31%101.1%
Q3 202467$701.4M8.75%0.17%1.26%102.0%
Q2 202468$694.0M8.61%0.13%1.19%96.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.24%
16th
Total risk-based capital12.16%
53rd
Problem loans0.23%
63rd
Net charge-offs0.02%
40th
Return on assets1.86%
83rd
Net interest margin4.12%
60th
Efficiency ratio56.5%
68th
Loans to deposits93.7%
19th
Uninsured deposits11.8%
90th
Loan-loss reserves0.70%
8th
Texas ratio2.0%
58th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Franklin Bank & Trust CompanyBank Franklin, KY75 out of 100, Strong$803.6M13.5%1.08%vs
Cumberland Valley National Bank & Trust CompanyBank London, KY69 out of 100, Moderate$816.1M9.5%0.22%vs
FNB Bank, Inc.Bank Mayfield, KY65 out of 100, Moderate$770.0M8.5%0.68%vs
Wilson & Muir Bank & Trust CompanyBank Bardstown, KY76 out of 100, Strong$818.4M9.4%0.27%vs
First & Farmers National Bank, Inc.Bank Somerset, KY75 out of 100, Strong$714.2M11.5%0.77%vs
The Citizens National Bank of SomersetBank Somerset, KY75 out of 100, Strong$700.9M9.0%0.18%vs

Deposit insurance

Is my money safe at Farmers Bank and Trust Company?

Yes. Farmers Bank and Trust Company is an FDIC-insured institution (FDIC certificate #12869). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.8% of deposits ($82.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.24%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.16% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Farmers Bank and Trust Company lists 9 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Farmers Bank and Trust Company reported 314 home-loan applications under HMDA (LEI 549300P8KQYPAVPZL931): 251 originated ($70,055,000 total), 32 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Farmers Bank and Trust Company
Former names
Farmers Bank & Trust Company, of Marion, Kentucky; Farmers Bank & Trust Company
Type
State-chartered bank
FDIC certificate #
12869
RSSD ID
262741
Primary regulator
FDIC
Holding company
Farmers Bcorp Inc of Marion Ky
Established
December 1, 1899
Headquarters
201 S Main St, Marion, KY 42064
Employees
104

Quick answers

Farmers Bank and Trust Company: common questions

Is Farmers Bank and Trust Company FDIC insured?

Yes. Farmers Bank and Trust Company is an FDIC-insured institution (FDIC certificate #12869). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers Bank and Trust Company's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #12869 in the FDIC failed bank list.

How many branches does Farmers Bank and Trust Company have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Marion

InstitutionScoreAssetsCapitalProblem loansCompare
C-Plant Federal Credit UnionCredit union Paducah, KY92 out of 100, Very strong$365.9M14.7%0.16%vs
United Community Bank of West Kentucky, Inc.Bank Morganfield, KY78 out of 100, Strong$524.9M11.0%0.11%vs
Planters Bank, Inc.Bank Hopkinsville, KY77 out of 100, Strong$2.0B12.4%0.11%vs
Farmers Bank and Trust CompanyBank Princeton, KY76 out of 100, Strong$247.8M9.5%0.04%vs
First United Bank and Trust CompanyBank Madisonville, KY74 out of 100, Strong$591.4M9.5%0.25%vs
The Peoples BankBank Marion, KY73 out of 100, Strong$135.3M11.6%0.23%vs