BlastPoint's Banking Scorecard
The Farmers Bank
Micro
Specialty: Commercial
KY
FDIC cert 14894
Designations: ✓ Community bank
Nicholasville, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
The Farmers Bank shows strong momentum with 2 strengths and 9.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$269.3M
+9.0% YoY
+9.5% QoQ
|
+$51.8M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$183.6M
+7.9% YoY
+2.8% QoQ
|
+$44.5M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$238.8M
+9.9% YoY
+10.5% QoQ
|
+$55.1M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.02%
+29.3% YoY
+6.6% QoQ
|
-0.07% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.46%
+17.3% YoY
+1.1% QoQ
|
-0.40% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
61.66%
-4.7% YoY
-2.9% QoQ
|
-6.06% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
76.90%
-1.8% YoY
-7.0% QoQ
|
+2.37% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
24.54%
-9.8% YoY
-11.4% QoQ
|
+2.15% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
18.02%
+1.4% YoY
+0.3% QoQ
|
+9.17% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.31%
+5.5% YoY
+25.4% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Tier 1 Capital Ratio
Current: 18.02% · Tier avg: 8.85%
70
70th pctile
Total Loans
Current: $183.6M · Tier avg: $139.2M
68
68th pctile
Total Deposits
Current: $238.8M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $269.3M · Tier avg: $217.5M
62
62th pctile
Efficiency Ratio
Current: 61.66% · Tier avg: 67.73%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.54% · Tier avg: 22.39%
48
48th pctile
Loan-to-Deposit Ratio
Current: 76.90% · Tier avg: 74.53%
47
47th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
Top Weaknesses
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
47
47th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
48
48th pctile
Loan-to-Deposit Ratio
Current: 76.90% · Tier avg: 74.53%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.54% · Tier avg: 22.39%
62
62th pctile
Efficiency Ratio
Current: 61.66% · Tier avg: 67.73%
66
66th pctile
Total Assets
Current: $269.3M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $238.8M · Tier avg: $183.7M
70
70th pctile
Total Loans
Current: $183.6M · Tier avg: $139.2M
82
82th pctile
Tier 1 Capital Ratio
Current: 18.02% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%