BlastPoint's Banking Scorecard
The Farmers National Bank of Lebanon
Micro
Specialty: Commercial
KY
FDIC cert 2754
Designations: ✓ Community bank
Lebanon, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
The Farmers National Bank of Lebanon shows strong momentum with 2 strengths and 11.0% 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 ? |
$148.6M
+11.0% YoY
+3.4% QoQ
|
-$68.9M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$102.8M
+23.1% YoY
+14.4% QoQ
|
-$36.4M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$130.7M
+8.7% YoY
+2.3% QoQ
|
-$52.9M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.06%
+24.8% YoY
-6.8% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.80%
+3.7% YoY
+0.5% QoQ
|
-0.06% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
66.57%
-5.5% YoY
+2.4% QoQ
|
-1.16% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-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 ? |
78.63%
+13.2% YoY
+11.9% QoQ
|
+4.11% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
30.86%
+3.1% YoY
+1.6% QoQ
|
+8.47% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.47%
-10.1% YoY
+31.9% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
66% |
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%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.86% · Tier avg: 22.39%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
55
55th pctile
Loan-to-Deposit Ratio
Current: 78.63% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
49
49th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
49
49th pctile
Efficiency Ratio
Current: 66.57% · Tier avg: 67.73%
44
44th pctile
Total Loans
Current: $102.8M · Tier avg: $139.2M
39
39th pctile
Total Deposits
Current: $130.7M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $148.6M · Tier avg: $217.5M
Top Weaknesses
38
38th pctile
Total Assets
Current: $148.6M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $130.7M · Tier avg: $183.7M
44
44th pctile
Total Loans
Current: $102.8M · Tier avg: $139.2M
49
49th pctile
Efficiency Ratio
Current: 66.57% · Tier avg: 67.73%
49
49th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 78.63% · Tier avg: 74.53%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.86% · Tier avg: 22.39%
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%