TellerScore

Kentucky Farmers Bank Corporation is a state-chartered bank headquartered in Catlettsburg, Kentucky, in business for about 95 years. At the end of Q2 2026 it reported $328.5M in total assets and $276.1M in deposits, with 5 offices across 2 states.

Kentucky Farmers Bank Corporation has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 2nd. Capital cushion contributes the most (100/100, 15.70%); funding & liquidity contributes the least (81/100, 60% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.70%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.43%
Earnings100/100
Return on assets (annualized): 2.12%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 60.1% · 32.1% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.37%

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 fell 2 points (95 → 93), mostly because the loan quality component weakened by 9 points.

TellerScore
939596Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202494
Q3 202495
Q4 202495
Q1 202594
Q2 202595
Q3 202596
Q4 202596
Q1 202696
Q2 202693
Tier 1 leverage ratio
5.00%11.72%18.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202418.22%
Q3 202418.45%
Q4 202415.98%
Q1 202515.53%
Q2 202515.64%
Q3 202515.77%
Q4 202515.98%
Q1 202615.27%
Q2 202615.70%
Noncurrent loans
0.07%0.25%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.09%
Q4 20240.09%
Q1 20250.22%
Q2 20250.14%
Q3 20250.12%
Q4 20250.07%
Q1 20260.16%
Q2 20260.43%
Return on assets
1.83%1.97%2.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.83%
Q3 20241.89%
Q4 20241.89%
Q1 20251.83%
Q2 20251.92%
Q3 20251.96%
Q4 20252.04%
Q1 20262.03%
Q2 20262.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$328.5M15.70%0.43%2.12%60.1%
Q1 202696$319.6M15.27%0.16%2.03%60.8%
Q4 202596$331.2M15.98%0.07%2.04%59.6%
Q3 202596$311.6M15.77%0.12%1.96%61.6%
Q2 202595$307.5M15.64%0.14%1.92%61.7%
Q1 202594$306.9M15.53%0.22%1.83%59.4%
Q4 202495$304.4M15.98%0.09%1.89%59.2%
Q3 202495$284.8M18.45%0.09%1.89%68.0%
Q2 202494$277.8M18.22%0.08%1.83%70.1%

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 ratio15.70%
90th
Total risk-based capital28.21%
95th
Problem loans0.43%
49th
Net charge-offs0.05%
27th
Return on assets2.12%
89th
Net interest margin4.30%
71st
Efficiency ratio58.2%
63rd
Loans to deposits60.1%
83rd
Uninsured deposits32.1%
23rd
Loan-loss reserves1.00%
26th
Texas ratio1.4%
65th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Deposit Bank of Arlington, Inc.Bank Arlington, KY77 out of 100, Strong$348.2M13.7%0.94%vs
1st Trust Bank, Inc.Bank Hazard, KY64 out of 100, Moderate$351.7M9.6%0.15%vs
The Farmers Bank of MiltonBank Milton, KY64 out of 100, Moderate$305.1M12.6%1.26%vs
Citizens Guaranty BankBank Richmond, KY48 out of 100, Below average$303.6M8.6%2.11%vs
United Southern BankBank Hopkinsville, KY81 out of 100, Strong$353.7M12.7%0.37%vs
Hometown Bank of Corbin, Inc.Bank Corbin, KY63 out of 100, Moderate$302.3M8.8%0.52%vs

Deposit insurance

Is my money safe at Kentucky Farmers Bank Corporation?

Yes. Kentucky Farmers Bank Corporation is an FDIC-insured institution (FDIC certificate #267). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.1% of deposits ($88.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 28.21% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Kentucky Farmers Bank Corporation lists 5 offices in 4 cities across 2 states. Most locations:

  • Ashland, KY (2)
  • Catlettsburg, KY (1)
  • Louisa, KY (1)
  • Wheelersburg, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Kentucky Farmers Bank Corporation
Former names
Kentucky-Farmers Bank of Catlettsburg, Kentucky
Type
State-chartered bank
FDIC certificate #
267
RSSD ID
683814
Primary regulator
FDIC
Holding company
Kfb Holdings Inc
Established
January 1, 1931
Headquarters
2500 Broadway St, Catlettsburg, KY 41129
Employees
73

Quick answers

Kentucky Farmers Bank Corporation: common questions

Is Kentucky Farmers Bank Corporation FDIC insured?

Yes. Kentucky Farmers Bank Corporation is an FDIC-insured institution (FDIC certificate #267). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Kentucky Farmers Bank Corporation's TellerScore?

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

Has Kentucky Farmers Bank Corporation ever failed?

There is no failure record for FDIC certificate #267 in the FDIC failed bank list.

How many branches does Kentucky Farmers Bank Corporation have?

5 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Catlettsburg

InstitutionScoreAssetsCapitalProblem loansCompare
Pace Federal Credit UnionCredit union Huntington, WV86 out of 100, Very strong$8.7M12.9%0.00%vs
Liberty BankBank Ironton, OH82 out of 100, Strong$55.7M18.0%0.77%vs
First Priority Federal Credit UnionCredit union Huntington, WV82 out of 100, Strong$74.8M12.5%1.14%vs
F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY81 out of 100, Strong$8.8M14.3%0.00%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Citizens Bank of Kentucky, Inc.Bank Paintsville, KY79 out of 100, Strong$669.9M13.5%0.85%vs