The Farmers National Bank of Danville: how it compares with its peers
Against 29 KY banks with half to twice its assets, The Farmers National Bank of Danville's strongest measure in Q2 2026 is net interest margin (4.47% vs. a 3.92% peer median). Its weakest relative measure is assets per employee ($4.5M vs. $6.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.33% | 1.26% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.47% | 3.92% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.53% | 56.53% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $6.0M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.21% | 78.72% | Context |
What it means for lending operations
Its efficiency ratio of 63.53% is above the 56.53% 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
- American Bank & Trust Company, Inc. Bowling Green, KY · $924M
- The Paducah Bank and Trust Company Paducah, KY · $1.07B
- The Monticello Banking Company Monticello, KY · $1.07B
- Edmonton State Bank Glasgow, KY · $1.15B
- Wilson & Muir Bank & Trust Company Bardstown, KY · $818M
- Cumberland Valley National Bank & Trust Company London, KY · $816M
Questions about The Farmers National Bank of Danville
How big is The Farmers National Bank of Danville?
The Farmers National Bank of Danville, established in 1879, is headquartered in Danville, KY. It reported $990M in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is The Farmers National Bank of Danville's return on assets?
1.33% annualized in Q2 2026, against a 1.26% median for 29 KY banks with half to twice its assets, ahead of 59% of them.
What is The Farmers National Bank of Danville's efficiency ratio?
63.53% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 56.53%, and lower is better.
Is The Farmers National Bank of Danville growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits shrank 6.7%.
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.