# FARMERS BANK
HARDINSBURG, KY · FDIC certificate 14102 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 (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 | $112.0M | |
| Deposits | $88.0M | |
| Loans and leases | $60.1M | |
| Total equity | $23.8M | |
| Loans / deposits | 67.61% (p41 of band) | 72.92% |
| Liquid assets / assets | 43.80% (p71 of band) | |
| Uninsured deposits / deposits | 14.03% (p51 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 21.27% (p95 of band) | 10.70% |
| Unrealized securities loss / equity | 3.26% (p75 of band) | 1.19% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 1.86% (p91 of band) | 0.83% |
| Net interest margin | 4.12% (p77 of band) | 3.64% |
| Efficiency ratio | 41.31% (p3 of band) | |
| Noncurrent loans | 2.79% (p88 of band) | 0.70% |
| Net charge-offs (annualized) | 0.33% (p93 of band) | |
| Reserve coverage of noncurrent | 36.46% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 7.15% (p34 of band) | |
| Auto loans | $853,000 (1.42% of loans; DQ 1.17%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | capital falling, uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 | reserve under noncurrent | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | capital falling, charge-offs p90, reserve under noncurrent |  |

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

- 2026-07-20 [Farmers Bank & Trust expanding into Simpson County - WBKO](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNLXA3RzhtaklsejVzR0F3a19QaHNHYjJLemJTeThpcnJNcUR4YklvZDN3Slczd253emVlTFFXV29KR0JlVTRMc0lSRGhINDJxbEpmcGwtY0ZHQjlFaDhVbW93REVKYmRWTFVsUFFqMWRzMUcybDlBZlJpbE5HOC1uVnczeFZ5U3ZD0gGcAUFVX3lxTFBuODlyWmEtemdHbHNmWmdmeGRMYVV3U09lS2RMMHdXYU0yNmhwNnNhbHZQLWh4OVFGUlYwZDJWYWNvbTZJZ19kazhxQ044Z2ZzQlhVYm4zZlVOa2tUTHZUbHZBUjUzZjRkcHBtY3RJUThaWThsT184RVlnR1pvWEQtc2hpUXd1TkhqNjhLWnNXYkpCUV9rWkhCUUNjSA?oc=5) · WBKO
- 2026-07-27 [Farmers Bank & Trust breaks ground on Nashville Road, expanding into Simpson County - WNKY](https://news.google.com/rss/articles/CBMipAFBVV95cUxNMVRCSUUyY0dLSmUyc29WcHNZeXEzdUY2eHU0VEhzRDM5OUl5R1hXb29jMkJrdm9MX0NVR0I4V2RmZUJSRXFBdVo0dWtOTTBzbWZQVzljVWpRMXdvQm0zU21KTVcyX01KY0pxaVRjYnRweDdHZE1vQ05sMmZNdjIyMlBMekhLU3d2UHVWV1ZGWXBjdEI3Tk1RRVFGMGZ3NlNYT1ktZw?oc=5) · WNKY
- 2026-03-31 [Nolan joins the First Farmers Bank Holding Company and Town & Country Bank and Trust Co. Board of Directors - pmg-ky2.com](https://news.google.com/rss/articles/CBMiiwJBVV95cUxOWUkxUi0tT1RaN3F6VTMtVTVncWV3VlBQS2EtZ09zTjl3WUE2TTExTE40WG5QQ1p4blpXSGRSOW5EcFRvbzFFQmFaNzVwVlI2UEZEQ3FnOGY2VFdCZjFpcFhheFVQM09xR2psc3lHUFRsWGFqZVozNG5uTkl3OVl1X0I1T1Rtdi1CdDRQNklmNzNqWkRnSWdhVFhOVTVuaE12NmphSGpyQ1c3NU4wLWhZd0xsbGlpQTFLT3FoMDdCT2RnZ0NFeDJzS0Jia2IzWlBKS19fdm0yMnF4dnBxMTNacHZiR1RLdWNNS1JiLW83eElBdDdsWlJtZ3ZEbnBzV0dtZzJJQkxSd2VWVTA?oc=5) · pmg-ky2.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-06 [Farmers Bank & Trust to open new branches in Franklin, Bowling Green - WBKO](https://news.google.com/rss/articles/CBMilwFBVV95cUxQUEN6LXRYcUhHRkhDVi1SVFRvMlMxOUNXcmFWRXdnZ2ZQeFVoVHQ2ek5jOHo5X0xsaXNWR0R2NTVBREFjTGtqSU5GdzFGRkJfQ1BZLWZVUzZ0azA3aHItU0tfX3BIQWd3RklSSnRUeFlSMXlMaXFyd3JZVDdCalNUdFo2REhqWTFXMHpINDNBVkRnYkx2Q3Y00gGrAUFVX3lxTE1YMEN4Q0cweV9OdnRPcW96QUlKakQxSDRmOXR1Mi1ETjhzUE91ckpZczV5YUVzRkU3LWNtMkFlVUtaTWExMFVHY01xT2ZnSWNoMEgtdFIwa25GY2tQdjEteW9KM2NNcW9zUFBVbTlIWElubFBKcEppODdPTUdmb09QcWQ4ZE1LMHpWRjktRktPM1RnenBjaWw3STgtUk5UUHBUaFF2OTRXVWdZaw?oc=5) · WBKO
- 2026-01-06 [Farmers Bank & Trust plans new branches in Franklin and Bowling Green - WNKY](https://news.google.com/rss/articles/CBMikwFBVV95cUxOS0liNXQyeEVZaTBGLUFuZ0pjcUsyU01FM2VPUzBoNGdUVDR0LXJxYzVjWG1CTXp4SEF3cmxwRTNWSHNVb293N2prMm1nWDJ0Q0FzMUc5UUtDME5MdzZCMTlHaHJfN0Z4bkkzbmgwQjJ3b2NqS0hqR3dRc1R1eGJBNTlpNGk5RWFCbXZSWnVYNW1VOTQ?oc=5) · WNKY
- 2019-07-12 [Marketplace for Sunday, July 14, 2019 - thegleaner.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPZk91MC1HTkVlR25pNGlsNTJhQko2Nl8zZlFmOWgyRTJReGlSeFVLeHRGU3RscUtablpEQVNySEROMjVXTGxMQU5yaTE1a0JFb2drWnhjc1h0TWdBVG1OeENPZGx0MGZYTGxkUm9heFoxem42SVcxd0hCM0ZJZFRGck1rVzhJckJEYTdCOVB0QWVtYzByYjJ3?oc=5) · thegleaner.com
- 2019-10-25 [DFI takes possession of Louisa Community Bank - The Lane Report](https://news.google.com/rss/articles/CBMikgFBVV95cUxORHE1c1QtLUVsVkNNaVNqMko5NG9PWWtvQ3JnVzFQZ2MwLW1KdDVZTWRoZUdlalQ3OXZLR05zd29ST3lwRFdZcVlJMXg1SzFidnJhcWdUWGtUNWp2cUpYeVhEZTk4WU5ZV2d5T3dhTUpiTFdDUXE2elJsb3ZlYlZrQXZsdWtkSWd1cHRkODJCM1RvZw?oc=5) · The Lane Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14102 (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/22.json (key "14102", 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