# FARMERS BANK OF MILTON
MILTON, KY · FDIC certificate 12163 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $305.1M | |
| Deposits | $253.4M | |
| Loans and leases | $207.0M | |
| Total equity | $29.6M | |
| Loans / deposits | 81.03% (p48 of band) | 82.04% |
| Liquid assets / assets | 27.38% (p57 of band) | |
| Uninsured deposits / deposits | 33.07% (p75 of band) | 25.97% |
| Brokered deposits | 3.28% | |
| Wholesale funding | 10.32% (p78 of band) | |
| FHLB advances / assets | 7.05% | |
| Tier 1 leverage | 12.57% (p75 of band) | 10.81% |
| Unrealized securities loss / equity | -48.34% (p5 of band) | -8.10% |
| AOCI / equity | -0.39% (p47 of band) | |
| ROA (annualized) | 0.66% (p16 of band) | 1.28% |
| Net interest margin | 3.09% (p12 of band) | 3.91% |
| Efficiency ratio | 71.92% (p77 of band) | |
| Noncurrent loans | 1.26% (p78 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p75 of band) | |
| Reserve coverage of noncurrent | 64.91% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 39.38% (p46 of band) | |
| Auto loans | $1.0M (0.50% of loans; DQ 2.99%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | capital falling |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 2 |  | noncurrent p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | noncurrent p90 |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity | noncurrent p90 |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 4 | capital falling, expense ratio p90 | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 3 |  | expense ratio p90 |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 | expense ratio p90 | reserve under noncurrent |
| 2024-12 | 2 | reserve under noncurrent | capital falling, expense ratio p90 |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-10-31 [Surveillance video: Farmers Bank of Milton robbery suspect - WLKY](https://news.google.com/rss/articles/CBMimgFBVV95cUxOOXpmVmtlbUJTLUlpZjZEWVdfeTJHNnFwSlZpakxPR2NKeEZUQnIyYmdoV2FocHNGY3I4b2FiY1hWN1pjUEJpSVNKOUExaFdTR2FQeDBKWlN0cHFIV19nWlJ5R2ctUVdLTk43WkNOem1vZTlKSFFZQlVrSG1hMUMxQWJDZThPM3hEMkg4bUlBTGJMRTVsREZlME9B?oc=5) · WLKY
- 2026-03-30 [Heather Wayne Young - The Courier-Journal](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1YUVNkNlZESENwNjQyY08xR2ktbGZCUmZ6Zkx3elUtdGpVZ0xpZnR0NERxMTdkdzREVmJrd2ZfclR5X2hCc3Azekp6c2szSHliUjUzQThTcFFuNVJEZlZGeWczYW0?oc=5) · The Courier-Journal
- 2026-03-30 [Heather Marie Wayne Young, 53 | Oldham Era - pmg-ky1.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxNZGxVMk8ycmVlOW9adjFQV2l5aEtGanlJYXZiZzdDbWNKWVBVZVE0MnZLenphTERjcFVwUE51Uk9SN2NwU2stUWhnVEVucXhCUWdkZE9ibzlJQVZra05SQWt1cWdxQy1MMnpsdmNsRHpVU0JVYjVOX2FOVVEzbFdHUmsxMXppNWI3NlVtZ3lqRXFNQUpmdmRydHM2aGRpVjFyN0VPWllROGoxUlQwWjl4eXlBMA?oc=5) · pmg-ky1.com
- 2022-09-29 [Farm Bureau hosts ag day - Madison Courier](https://news.google.com/rss/articles/CBMivAFBVV95cUxPUXJIS2xOVkNGbF9hWXlHcEhLWnl0VVc4bHRWWjZqbUVCMkVEQldLa0pZc3pzcmhmU1RNTWpKSGJvY0RrcVRlLVpqMTJtWHMwb0ZaSHBYZHFXLVRBU0x2OW9hUmZUTzU0dUJqNjB2eERaN3NUNmdtTWNaTzFfMHgzT0xuMktObFY0RXZKRUdPdjRsU2xJXzByOXdyX1pzU2MxRkE5TGstQ1h0V29UbkJHRWVVUTF4cm90aWR3OA?oc=5) · Madison Courier
- 2014-04-24 [LaGrange police release bank robbery surveillance - WLKY](https://news.google.com/rss/articles/CBMijwFBVV95cUxQbENraGt3ZFA4ZzZ0RTJMV24tMEVxV3lCd2JhOUE4Smx1T1lIeVduQy1ROTNySldHOFF4bF9QbURlSEpISUpmNjJOLWtlVk9NTFM1UmlCSHBQbjZjN0RDS2xtUWxfemJRcnBhcEVsd1Y3UDdtb0s5emlrQnlUWnc3REM4aDluanFVc1kyTzFUTQ?oc=5) · WLKY
- 2025-12-29 [Amy Burns Carmony Obituary (2025) - Crestwood, KY - Stoess Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFAySWtkN3NjUmh2dTBzTGZ1OGt1OEE0Y2gtZ1ZwSVNFU2swdlpoU1JmVmxUVWRlZU5fN1ZTWWRHWjNPRTQ3V2VtUGEyd2tWeldxd21ORlN6MzJLblBxSk0wSDZzTExZTExPTXprejhTWERMX25QZTUtQjJzUVZXZGM?oc=5) · legacy.com
- 2025-03-05 [Looking Back - Madison Courier](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQb3BkZDliSXNNWlNhTU84dkVVT3JnR1ZnbW41QXB2WVdfNU9fSHJIS0QxTlpjVlRRS2lDRXhOMmdMZlV2emtCYkRvaFRlblhUUXNDVXZXR2tvNUF5TjdCNFlJdnBDcWN4Q3hnZGxIcC1JQzhJNlA0NGlIZW1KT3RaMWVQSUM0SEptZldtRGl4ZTlQM1RETWdoWjRfcW9wVFZnVEpwdUM1TUI2VVZWZnBoeW9iLUd6Q0RkZGgweWxSXzRFdw?oc=5) · Madison Courier
- 2014-06-30 [Suspected serial bank robber tied to crimes in 5 cities - WLKY](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWlRPb2NFZTZkYmFvbVhoQ3VFdjhITU9JOUdmLXJtdlEwSXBKbUtyWnFfQVg0RkwtODZtbGtpak83b01fLXNHTC1QSDZJSl9jSjFXZGg3S1dGREVIWE9DWE1icXdfSTNYRnNKb1VTTGdzQksxSlROWkFadkpDS2tBZGVrSnhiLUU2ckdvckY3SDFySjU5ellz?oc=5) · WLKY

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12163 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "12163", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide