Headquartered in Lebanon, Kentucky, The Farmers National Bank of Lebanon is a national bank with $163.0M in total assets and $145.5M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1890.
Based on its Q2 2026 filing, The Farmers National Bank of Lebanon scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 37th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (57/100; 10.72%).
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 3 points (80 → 77), mostly because the funding & liquidity component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 80 |
| Q4 2024 | 78 |
| Q1 2025 | 79 |
| Q2 2025 | 80 |
| Q3 2025 | 81 |
| Q4 2025 | 80 |
| Q1 2026 | 79 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.96% |
| Q3 2024 | 11.52% |
| Q4 2024 | 11.23% |
| Q1 2025 | 11.23% |
| Q2 2025 | 11.20% |
| Q3 2025 | 11.55% |
| Q4 2025 | 11.67% |
| Q1 2026 | 11.29% |
| Q2 2026 | 10.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.96% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.14% |
| Q4 2025 | 1.06% |
| Q1 2026 | 0.99% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $163.0M | 10.72% | 0.00% | 1.09% | 78.8% |
| Q1 2026 | 79 | $162.6M | 11.29% | 0.01% | 0.99% | 75.5% |
| Q4 2025 | 80 | $148.6M | 11.67% | 0.00% | 1.06% | 78.6% |
| Q3 2025 | 81 | $143.8M | 11.55% | 0.04% | 1.14% | 70.3% |
| Q2 2025 | 80 | $141.3M | 11.20% | 0.00% | 1.04% | 66.9% |
| Q1 2025 | 79 | $140.6M | 11.23% | 0.00% | 0.96% | 67.5% |
| Q4 2024 | 78 | $133.9M | 11.23% | 0.00% | 0.85% | 69.4% |
| Q3 2024 | 80 | $135.8M | 11.52% | 0.00% | 0.87% | 66.1% |
| Q2 2024 | 69 | $128.5M | 10.96% | 0.91% | 0.81% | 69.4% |
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 |
|---|---|---|---|---|---|
| The Salyersville National BankBank Salyersville, KY | 89 out of 100, Very strong | $163.5M | 14.2% | 0.00% | vs |
| Bank of MaysvilleBank Maysville, KY | 93 out of 100, Very strong | $164.0M | 16.9% | 0.12% | vs |
| Auburn Banking CompanyBank Auburn, KY | 65 out of 100, Moderate | $164.3M | 8.3% | 0.65% | vs |
| Commonwealth Community Bank, Inc.Bank Hartford, KY | 83 out of 100, Strong | $157.7M | 14.7% | 0.24% | vs |
| Citizens Bank and Trust of Lebanon, Inc.Bank Lebanon, KY | 75 out of 100, Strong | $173.0M | 11.3% | 0.18% | vs |
| Independent Correspondent Bankers' Bank, Inc.Bank Frankfort, KY | 69 out of 100, Moderate | $151.4M | 13.2% | 0.99% | vs |
Deposit insurance
Is my money safe at The Farmers National Bank of Lebanon?
Yes. The Farmers National Bank of Lebanon is an FDIC-insured institution (FDIC certificate #2754). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.8% of deposits ($17.2M) 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 10.72%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
The Farmers National Bank of Lebanon lists 2 offices in 1 city. Most locations:
- Lebanon, KY (2)
Identity & history
Profile
- Legal name
- The Farmers National Bank of Lebanon
- Type
- National bank
- FDIC certificate #
- 2754
- RSSD ID
- 575348
- Primary regulator
- OCC
- Holding company
- Lebanon Bancshares Inc
- Established
- April 1, 1890
- Headquarters
- 136 W Main St, Lebanon, KY 40033
- Website
- www.farmersnational.bank
- Employees
- 27
Quick answers
The Farmers National Bank of Lebanon: common questions
Is The Farmers National Bank of Lebanon FDIC insured?
Yes. The Farmers National Bank of Lebanon is an FDIC-insured institution (FDIC certificate #2754). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Farmers National Bank of Lebanon's TellerScore?
77 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 The Farmers National Bank of Lebanon ever failed?
There is no failure record for FDIC certificate #2754 in the FDIC failed bank list.
How many branches does The Farmers National Bank of Lebanon have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lebanon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
| Town & Country Bank and Trust CompanyBank Bardstown, KY | 82 out of 100, Strong | $433.7M | 12.7% | 0.42% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| United Citizens Bank of Southern KentuckyBank Columbia, KY | 81 out of 100, Strong | $286.2M | 12.1% | 0.43% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Springfield State BankBank Springfield, KY | 79 out of 100, Strong | $486.9M | 14.0% | 0.56% | vs |