Headquartered in Milton, Kentucky, The Farmers Bank of Milton is a state-chartered bank with $305.1M in total assets and $253.4M in deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1902.
The Farmers Bank of Milton has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 95th. Problem-loan coverage contributes the most (83/100, 8.3%); earnings contributes the least (46/100, 0.66%).
TellerScore · Q2 2026
Scorecard
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 (66 → 64), mostly because the loan quality component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 63 |
| Q4 2024 | 63 |
| Q1 2025 | 65 |
| Q2 2025 | 66 |
| Q3 2025 | 64 |
| Q4 2025 | 65 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.93% |
| Q3 2024 | 11.64% |
| Q4 2024 | 11.74% |
| Q1 2025 | 11.94% |
| Q2 2025 | 11.98% |
| Q3 2025 | 12.26% |
| Q4 2025 | 12.45% |
| Q1 2026 | 12.48% |
| Q2 2026 | 12.57% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.77% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.26% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.61% |
| Q1 2026 | 0.61% |
| Q2 2026 | 0.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $305.1M | 12.57% | 1.26% | 0.66% | 81.0% |
| Q1 2026 | 63 | $312.9M | 12.48% | 1.25% | 0.61% | 81.9% |
| Q4 2025 | 65 | $312.9M | 12.45% | 1.07% | 0.61% | 82.5% |
| Q3 2025 | 64 | $309.1M | 12.26% | 1.03% | 0.51% | 81.8% |
| Q2 2025 | 66 | $310.6M | 11.98% | 0.77% | 0.50% | 81.6% |
| Q1 2025 | 65 | $312.6M | 11.94% | 0.79% | 0.46% | 80.4% |
| Q4 2024 | 63 | $310.8M | 11.74% | 0.77% | 0.36% | 79.4% |
| Q3 2024 | 63 | $313.0M | 11.64% | 0.69% | 0.28% | 78.8% |
| Q2 2024 | 62 | $306.8M | 11.93% | 0.96% | 0.35% | 80.5% |
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).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Guaranty BankBank Richmond, KY | 48 out of 100, Below average | $303.6M | 8.6% | 2.11% | vs |
| Hometown Bank of Corbin, Inc.Bank Corbin, KY | 63 out of 100, Moderate | $302.3M | 8.8% | 0.52% | vs |
| United Citizens Bank of Southern KentuckyBank Columbia, KY | 81 out of 100, Strong | $286.2M | 12.1% | 0.43% | vs |
| Bank of Edmonson CountyBank Brownsville, KY | 64 out of 100, Moderate | $283.4M | 10.6% | 1.66% | vs |
| The Farmers BankBank Nicholasville, KY | 78 out of 100, Strong | $282.7M | 11.0% | 0.00% | vs |
| First Federal Savings Bank of KentuckyBank Frankfort, KY | 64 out of 100, Moderate | $282.6M | 10.5% | 0.44% | vs |
Deposit insurance
Is my money safe at The Farmers Bank of Milton?
Yes. The Farmers Bank of Milton is an FDIC-insured institution (FDIC certificate #12163). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.1% of deposits ($83.8M) 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 12.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.24% (benchmark: 10%).
5 locations
Branches
The Farmers Bank of Milton lists 5 offices in 5 cities across 2 states. Most locations:
- Carrollton, KY (1)
- Crestwood, KY (1)
- La Grange, KY (1)
- Madison, IN (1)
- Milton, KY (1)
Identity & history
Profile
- Legal name
- The Farmers Bank of Milton
- Type
- State-chartered bank
- FDIC certificate #
- 12163
- RSSD ID
- 265340
- Primary regulator
- FDIC
- Holding company
- Farmers Financial Corp
- Established
- January 1, 1902
- Headquarters
- 41 Ferry St, Milton, KY 40045
- Website
- fbmilton.com
- Employees
- 47
Quick answers
The Farmers Bank of Milton: common questions
Is The Farmers Bank of Milton FDIC insured?
Yes. The Farmers Bank of Milton is an FDIC-insured institution (FDIC certificate #12163). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Farmers Bank of Milton's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Farmers Bank of Milton ever failed?
There is no failure record for FDIC certificate #12163 in the FDIC failed bank list.
How many branches does The Farmers Bank of Milton have?
5 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Milton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Business and Industrial Federal Credit UnionCredit union Columbus, IN | 91 out of 100, Very strong | $44.9M | 18.0% | 0.24% | vs |
| Carrollton Federal BankBank Carrollton, KY | 87 out of 100, Very strong | $43.6M | 15.7% | 0.00% | vs |
| Jefferson Community Federal Credit UnionCredit union Madison, IN | 79 out of 100, Strong | $18.0M | 10.7% | 0.05% | vs |
| Clifty Creek Employees Federal Credit UnionCredit union Madison, IN | 79 out of 100, Strong | $16.3M | 16.9% | 0.00% | vs |
| Bedford Loan & Deposit BankBank Bedford, KY | 76 out of 100, Strong | $121.8M | 14.6% | 1.27% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |