Kentucky Farmers Bank Corporation: how it compares with its peers
Against 61 KY banks with half to twice its assets, Kentucky Farmers Bank Corporation's strongest measure in Q2 2026 is return on assets (2.12% vs. a 1.29% peer median). Its weakest relative measure is assets per employee ($4.5M vs. $6.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.12% | 1.29% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.30% | 3.94% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.19% | 59.55% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $6.1M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.15% | 83.53% | Context |
What it means for lending operations
Its efficiency ratio of 58.19% is better than the 59.55% 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
- Citizens Deposit Bank of Arlington, Inc. Arlington, KY · $348M
- 1st Trust Bank, Inc. Hazard, KY · $352M
- The Farmers Bank of Milton Milton, KY · $305M
- Citizens Guaranty Bank Richmond, KY · $304M
- United Southern Bank Hopkinsville, KY · $354M
- Hometown Bank of Corbin, Inc. Corbin, KY · $302M
Questions about Kentucky Farmers Bank Corporation
How big is Kentucky Farmers Bank Corporation?
Kentucky Farmers Bank Corporation, established in 1931, is headquartered in Catlettsburg, KY. It reported $328M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Kentucky Farmers Bank Corporation's return on assets?
2.12% annualized in Q2 2026, against a 1.29% median for 61 KY banks with half to twice its assets, ahead of 93% of them.
What is Kentucky Farmers Bank Corporation's efficiency ratio?
58.19% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 59.55%, and lower is better.
Is Kentucky Farmers Bank Corporation growing its loans?
Net loans grew 3.1% over the year to Q2 2026, while deposits grew 5.7%.
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.