Farmers Bank and Trust Company: how it compares with its peers
Against 39 KY banks with half to twice its assets, Farmers Bank and Trust Company's strongest measure in Q2 2026 is return on assets (1.86% vs. a 1.26% peer median). Its weakest relative measure is efficiency ratio (56.53% vs. 58.55%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.86% | 1.26% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.12% | 3.87% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.53% | 58.55% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $6.0M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.71% | 84.58% | Context |
What it means for lending operations
Its efficiency ratio of 56.53% is better than the 58.55% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Franklin Bank & Trust Company Franklin, KY · $804M
- Cumberland Valley National Bank & Trust Company London, KY · $816M
- FNB Bank, Inc. Mayfield, KY · $770M
- Wilson & Muir Bank & Trust Company Bardstown, KY · $818M
- First & Farmers National Bank, Inc. Somerset, KY · $714M
- The Citizens National Bank of Somerset Somerset, KY · $701M
Questions about Farmers Bank and Trust Company
How big is Farmers Bank and Trust Company?
Farmers Bank and Trust Company, established in 1899, is headquartered in Marion, KY. It reported $794M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Farmers Bank and Trust Company's return on assets?
1.86% annualized in Q2 2026, against a 1.26% median for 39 KY banks with half to twice its assets, ahead of 87% of them.
What is Farmers Bank and Trust Company's efficiency ratio?
56.53% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 58.55%, and lower is better.
Is Farmers Bank and Trust Company growing its loans?
Net loans grew 11.4% over the year to Q2 2026, while deposits grew 9.3%.
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.