The Farmers National Bank of Lebanon: how it compares with its peers
Against 47 KY banks with half to twice its assets, The Farmers National Bank of Lebanon's strongest measure in Q2 2026 is assets per employee ($6.0M vs. a $5.5M peer median). Its weakest relative measure is net interest margin (3.85% vs. 4.13%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.45% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.85% | 4.13% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.99% | 63.36% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $5.5M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.81% | 80.17% | Context |
What it means for lending operations
Its efficiency ratio of 62.99% is better than the 63.36% 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
- The Salyersville National Bank Salyersville, KY · $164M
- Bank of Maysville Maysville, KY · $164M
- Auburn Banking Company Auburn, KY · $164M
- Commonwealth Community Bank, Inc. Hartford, KY · $158M
- Citizens Bank and Trust of Lebanon, Inc. Lebanon, KY · $173M
- Independent Correspondent Bankers' Bank, Inc. Frankfort, KY · $151M
Questions about The Farmers National Bank of Lebanon
How big is The Farmers National Bank of Lebanon?
The Farmers National Bank of Lebanon, established in 1890, is headquartered in Lebanon, KY. It reported $163M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Farmers National Bank of Lebanon's return on assets?
1.09% annualized in Q2 2026, against a 1.45% median for 47 KY banks with half to twice its assets, ahead of 45% of them.
What is The Farmers National Bank of Lebanon's efficiency ratio?
62.99% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 63.36%, and lower is better.
Is The Farmers National Bank of Lebanon growing its loans?
Net loans grew 35.4% over the year to Q2 2026, while deposits grew 14.9%.
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.