The Farmers Bank of Milton: how it compares with its peers
Against 65 KY banks with half to twice its assets, The Farmers Bank of Milton's strongest measure in Q2 2026 is assets per employee ($6.5M vs. a $6.1M peer median). Its weakest relative measure is return on assets (0.66% vs. 1.29%).
| Measure | The Farmers Bank of Milton | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.66% | 1.29% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.09% | 3.94% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.92% | 59.47% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $6.1M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.03% | 83.38% | Context |
What it means for lending operations
Its efficiency ratio of 71.92% is above the 59.47% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Citizens Guaranty Bank Richmond, KY · $304M
- Hometown Bank of Corbin, Inc. Corbin, KY · $302M
- United Citizens Bank of Southern Kentucky Columbia, KY · $286M
- Bank of Edmonson County Brownsville, KY · $283M
- The Farmers Bank Nicholasville, KY · $283M
- First Federal Savings Bank of Kentucky Frankfort, KY · $283M
Questions about The Farmers Bank of Milton
How big is The Farmers Bank of Milton?
The Farmers Bank of Milton, established in 1902, is headquartered in Milton, KY. It reported $305M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Farmers Bank of Milton's return on assets?
0.66% annualized in Q2 2026, against a 1.29% median for 65 KY banks with half to twice its assets, ahead of 9% of them.
What is The Farmers Bank of Milton's efficiency ratio?
71.92% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 59.47%, and lower is better.
Is The Farmers Bank of Milton growing its loans?
Net loans shrank 1.9% over the year to Q2 2026, while deposits shrank 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.