BlastPoint's Banking Scorecard
Farmers Bank and Trust Company
Community
Specialty: Commercial
KY
FDIC cert 12869
Marion, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Farmers Bank and Trust Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 48% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$760.1M
+6.6% YoY
+3.4% QoQ
|
-$631.4M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$638.7M
+7.2% YoY
+4.8% QoQ
|
-$336.7M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$629.0M
+6.8% YoY
-0.4% QoQ
|
-$535.6M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.64%
+25.2% YoY
+2.4% QoQ
|
+0.47% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
3.96%
+16.5% YoY
+1.0% QoQ
|
+0.29% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
58.56%
-10.1% YoY
-1.0% QoQ
|
-4.07% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.29%
+242.9% YoY
-32.3% QoQ
|
-0.34% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
101.55%
+0.5% YoY
+5.2% QoQ
|
+18.49% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.93%
-6.9% YoY
-0.3% QoQ
|
-6.12% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.24%
+81.5% YoY
-36.4% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
10.74%
+1.5% YoY
-2.1% QoQ
|
+0.50% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.50%
-9.3% YoY
+28.7% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#177 of 371 · Top 48% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.64%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Risk Growth
risk
#248 of 642 · Bottom 39% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Loan-to-Deposit Ratio
Current: 101.55% · Tier avg: 83.06%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
68
68th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.66%
62
62th pctile
Efficiency Ratio
Current: 58.56% · Tier avg: 62.63%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
44
44th pctile
Total Loans
Current: $638.7M · Tier avg: $975.5M
34
34th pctile
Tier 1 Capital Ratio
Current: 10.74% · Tier avg: 10.24%
32
32th pctile
Total Assets
Current: $760.1M · Tier avg: $1.4B
31
31th pctile
Total Deposits
Current: $629.0M · Tier avg: $1.2B
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.93% · Tier avg: 21.05%
Top Weaknesses
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.93% · Tier avg: 21.05%
31
31th pctile
Total Deposits
Current: $629.0M · Tier avg: $1.2B
32
32th pctile
Total Assets
Current: $760.1M · Tier avg: $1.4B
34
34th pctile
Tier 1 Capital Ratio
Current: 10.74% · Tier avg: 10.24%
44
44th pctile
Total Loans
Current: $638.7M · Tier avg: $975.5M
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
62
62th pctile
Efficiency Ratio
Current: 58.56% · Tier avg: 62.63%
68
68th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.66%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
90
90th pctile
Loan-to-Deposit Ratio
Current: 101.55% · Tier avg: 83.06%