# FARMERS BANK&TRUST CO
MARION, KY · FDIC certificate 12869 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $794.0M | |
| Deposits | $699.2M | |
| Loans and leases | $659.8M | |
| Total equity | $71.0M | |
| Loans / deposits | 93.71% (p79 of band) | 82.04% |
| Liquid assets / assets | 13.26% (p12 of band) | |
| Uninsured deposits / deposits | 11.78% (p6 of band) | 25.97% |
| Brokered deposits | 10.58% | |
| Wholesale funding | 13.10% (p84 of band) | |
| FHLB advances / assets | 2.52% | |
| Tier 1 leverage | 9.24% (p17 of band) | 10.81% |
| Unrealized securities loss / equity | -7.27% (p53 of band) | -8.10% |
| AOCI / equity | 0.14% (p86 of band) | |
| ROA (annualized) | 1.86% (p83 of band) | 1.28% |
| Net interest margin | 4.12% (p62 of band) | 3.91% |
| Efficiency ratio | 56.53% (p35 of band) | |
| Noncurrent loans | 0.23% (p35 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p61 of band) | |
| Reserve coverage of noncurrent | 307.77% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 105.60% (p88 of band) | |
| Auto loans | $7.1M (1.07% of loans; DQ 1.85%, NCO 0.01%) | |
| Loans to nondepository financials | $4.1M (6% of equity) (p94 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 104 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | deposits shrinking |  |
| 2015-03 | 0 |  | deposits shrinking |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | loans exceed deposits |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | charge-offs p90 | loans exceed deposits |
| 2016-06 | 2 | loans exceed deposits |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 2 |  | charge-offs p90 |
| 2017-03 | 1 |  | loans exceed deposits |
| 2017-06 | 2 | loans exceed deposits |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | loans exceed deposits |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | wholesale funding >15% |  |
| 2018-09 | 0 |  | capital falling, wholesale funding >15% |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | NIM <2.5% |  |
| 2019-12 | 1 | capital falling | NIM <2.5% |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 2 | wholesale funding >15%, AOCI drag >20% of equity |  |
| 2022-12 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-03 | 0 |  | wholesale funding >15%, capital falling |
| 2023-06 | 1 | loans exceed deposits |  |
| 2023-09 | 1 | wholesale funding >15% | loans exceed deposits |
| 2023-12 | 1 | capital falling | wholesale funding >15% |
| 2024-03 | 2 | brokered >10% |  |
| 2024-06 | 0 |  | capital falling, brokered >10% |
| 2024-09 | 1 | loans exceed deposits |  |
| 2024-12 | 3 | construction >100% equity, deposits shrinking |  |
| 2025-03 | 2 | brokered >10% | loans exceed deposits, deposits shrinking |
| 2025-06 | 1 |  | brokered >10% |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | loans exceed deposits |  |
| 2026-03 | 2 | brokered >10% | loans exceed deposits |
| 2026-06 | 2 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12869 (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/5.json (key "12869", 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