TellerScore

Headquartered in Danville, Kentucky, The Farmers National Bank of Danville is a national bank with $989.8M in total assets and $848.0M in deposits as of Q2 2026. It operates 15 offices. Its charter dates back to 1879.

The Farmers National Bank of Danville has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 105th. Problem-loan coverage contributes the most (74/100, 12.9%); loan quality contributes the least (41/100, 1.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.58%
Loan quality41/100
Noncurrent loans ÷ total loans: 1.78%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 93.2% · 17.6% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.92%

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 8 points (67 → 59), mostly because the loan quality component weakened by 46 points.

TellerScore
576369Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202463
Q4 202459
Q1 202564
Q2 202567
Q3 202569
Q4 202567
Q1 202657
Q2 202659
Tier 1 leverage ratio
5.00%7.79%10.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.77%
Q3 20249.33%
Q4 20249.31%
Q1 20258.61%
Q2 20259.43%
Q3 20259.96%
Q4 202510.15%
Q1 202610.40%
Q2 202610.58%
Noncurrent loans
0.39%1.08%1.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.59%
Q3 20240.60%
Q4 20240.77%
Q1 20250.47%
Q2 20250.39%
Q3 20250.41%
Q4 20250.45%
Q1 20261.60%
Q2 20261.78%
Return on assets
1.07%1.46%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.20%
Q3 20241.25%
Q4 20241.19%
Q1 20251.86%
Q2 20251.53%
Q3 20251.59%
Q4 20251.34%
Q1 20261.07%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$989.8M10.58%1.78%1.33%93.2%
Q1 202657$983.4M10.40%1.60%1.07%91.0%
Q4 202567$990.4M10.15%0.45%1.34%86.3%
Q3 202569$990.2M9.96%0.41%1.59%85.4%
Q2 202567$1.0B9.43%0.39%1.53%82.9%
Q1 202564$979.1M8.61%0.47%1.86%81.7%
Q4 202459$966.1M9.31%0.77%1.19%80.7%
Q3 202463$970.6M9.33%0.60%1.25%78.5%
Q2 202459$940.3M8.77%0.59%1.20%78.3%

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 ratio10.58%
43rd
Total risk-based capital14.77%
67th
Problem loans1.78%
15th
Net charge-offs0.03%
33rd
Return on assets1.33%
55th
Net interest margin4.47%
79th
Efficiency ratio63.5%
47th
Loans to deposits93.2%
20th
Uninsured deposits17.6%
73rd
Loan-loss reserves1.54%
81st
Texas ratio12.9%
13th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
American Bank & Trust Company, Inc.Bank Bowling Green, KY59 out of 100, Moderate$924.4M9.9%1.22%vs
Wilson & Muir Bank & Trust CompanyBank Bardstown, KY76 out of 100, Strong$818.4M9.4%0.27%vs
Cumberland Valley National Bank & Trust CompanyBank London, KY69 out of 100, Moderate$816.1M9.5%0.22%vs
Franklin Bank & Trust CompanyBank Franklin, KY75 out of 100, Strong$803.6M13.5%1.08%vs
Farmers Bank and Trust CompanyBank Marion, KY74 out of 100, Strong$794.0M9.2%0.23%vs
FNB Bank, Inc.Bank Mayfield, KY65 out of 100, Moderate$770.0M8.5%0.68%vs

Deposit insurance

Is my money safe at The Farmers National Bank of Danville?

Yes. The Farmers National Bank of Danville is an FDIC-insured institution (FDIC certificate #2740). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.6% of deposits ($149.3M) 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 10.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.77% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

The Farmers National Bank of Danville lists 8 offices in 7 cities. Most locations:

  • Danville, KY (2)
  • Harrodsburg, KY (1)
  • Lancaster, KY (1)
  • Liberty, KY (1)
  • Middleburg, KY (1)
  • Perryville, KY (1)
  • Stanford, KY (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Farmers National Bank of Danville
Former names
The Farmer's National Bank of Danville
Type
National bank
FDIC certificate #
2740
RSSD ID
785147
Primary regulator
OCC
Holding company
Boyle Bcorp Inc
Established
February 10, 1879
Headquarters
304 W Main St, Danville, KY 40422
Employees
220

Quick answers

The Farmers National Bank of Danville: common questions

Is The Farmers National Bank of Danville FDIC insured?

Yes. The Farmers National Bank of Danville is an FDIC-insured institution (FDIC certificate #2740). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Farmers National Bank of Danville's TellerScore?

59 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 National Bank of Danville ever failed?

There is no failure record for FDIC certificate #2740 in the FDIC failed bank list.

How many branches does The Farmers National Bank of Danville have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Danville

InstitutionScoreAssetsCapitalProblem loansCompare
Pbk Bank, Inc.Bank Stanford, KY94 out of 100, Very strong$175.6M15.2%0.46%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Abound Federal Credit UnionCredit union Radcliff, KY81 out of 100, Strong$2.8B15.8%0.81%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Springfield State BankBank Springfield, KY79 out of 100, Strong$486.9M14.0%0.56%vs
The Farmers BankBank Nicholasville, KY78 out of 100, Strong$282.7M11.0%0.00%vs