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.

From Q2 2025 to Q2 2026, the score rose 2 points (76 → 78), mostly because the funding & liquidity component improved by 11 points.

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

Similar-size banks in Kentucky

Yes. The Farmers Bank is an FDIC-insured institution (FDIC certificate #14894). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.9% of deposits ($49.9M) 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 11.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.53% (benchmark: 10%).

Check how much of your own balance is covered

The Farmers Bank lists 4 offices in 2 cities. Most locations:

• Nicholasville, KY (3)
• Wilmore, KY (1)

All branch addresses and map

In 2025, The Farmers Bank reported 140 home-loan applications under HMDA (LEI 549300H5B5USE8BS1V31): 116 originated ($33,020,000 total), 5 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.7%, 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.

Legal name

The Farmers Bank

Type

State-chartered bank

FDIC certificate #

14894

RSSD ID

485214

Primary regulator

FDIC

Holding company

Farmers Bcorp Nicholasville

Established

January 1, 1934

Headquarters

200 N Main St, Nicholasville, KY 40356

Website

www.myfarmersbank.net

Employees

33