Farmers Bank and Trust Company: how it compares with its peers
Against 61 KY banks with half to twice its assets, Farmers Bank and Trust Company's strongest measure in Q2 2026 is return on assets (1.63% vs. a 1.41% peer median). Its weakest relative measure is net interest margin (3.93% vs. 4.04%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.63% | 1.41% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.93% | 4.04% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.31% | 59.55% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.1M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.48% | 82.83% | Context |
What it means for lending operations
Its efficiency ratio of 58.31% 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
- Lewisburg Banking Company Lewisburg, KY · $246M
- Citizens Bank Mount Vernon, KY · $250M
- Taylor County Bank Campbellsville, KY · $244M
- The Commercial Bank of Grayson Grayson, KY · $242M
- FIRST NATIONAL BANK OF KENTUCKY Carrollton, KY · $258M
- Bank of Hindman Hindman, KY · $260M
Questions about Farmers Bank and Trust Company
How big is Farmers Bank and Trust Company?
Farmers Bank and Trust Company, established in 1900, is headquartered in Princeton, KY. It reported $248M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Farmers Bank and Trust Company's return on assets?
1.63% annualized in Q2 2026, against a 1.41% median for 61 KY banks with half to twice its assets, ahead of 69% of them.
What is Farmers Bank and Trust Company's efficiency ratio?
58.31% 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 Farmers Bank and Trust Company growing its loans?
Net loans grew 12.7% over the year to Q2 2026, while deposits grew 5.8%.
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.