# FARMERS NATIONAL BANK
WALTON, KY · FDIC certificate 264 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $87.0M | |
| Deposits | $79.1M | |
| Loans and leases | $52.5M | |
| Total equity | $7.7M | |
| Loans / deposits | 65.62% (p45 of band) | 67.95% |
| Liquid assets / assets | 35.34% (p49 of band) | |
| Uninsured deposits / deposits | 12.93% (p72 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.07% (p37 of band) | |
| FHLB advances / assets | 0.07% | |
| Tier 1 leverage | 8.69% (p26 of band) | 9.95% |
| Unrealized securities loss / equity | 3.15% (p54 of band) | 2.77% |
| AOCI / equity | -0.03% (p48 of band) | |
| ROA (annualized) | -0.30% (p9 of band) | 0.78% |
| Net interest margin | 3.40% (p29 of band) | 3.77% |
| Efficiency ratio | 100.98% (p91 of band) | |
| Noncurrent loans | 4.91% (p86 of band) | 1.40% |
| Net charge-offs (annualized) | 1.67% (p96 of band) | |
| Reserve coverage of noncurrent | 24.18% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 13.82% (p46 of band) | |
| Auto loans | $384,000 (0.73% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **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 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 5 | capital falling, losing money, expense ratio p90, charge-offs p90 |  |

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

- 2025-10-29 [Farmers National Bank Announces Employment of Holly Christopher and Chris Zollner - The Interior Journal](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOOV82RHhWTnpiNzZKZks0VUpZbmhrQzM1UHJ0Q3VYLU9uSUp3SnRoVXlONUwwb0FNRV82bWx0MjZfd05iWm1URXhNVWcybVdiWEQybk5pMkxWNWptWlhfWjV3bmtGeE9mTFp4R3c2RF9rYlNwX0RZaDB0ZXBLSEQ2UE1rV0VWdWFVSVZkUFVvTlRSa09IODdxSzZFQWlBZXpaMVVfbmszbW5vYkpjNkhaOW41dDNBdDJlS3VGTFZEUGVwUQ?oc=5) · The Interior Journal
- 2026-02-23 [Ann "Grant" Martin Obituary (2026) - Columbia, KY - Grissom-Martin Funeral Home, Inc. - Legacy obituary](https://news.google.com/rss/articles/CBMifkFVX3lxTFB4cGhwQXV0WFJxd29MRkNiQXVPOFVKU3ZwMkFTQnRjblNDS0hsVjhnSWZaQ3lFRVlqT0JySkJhZzF0NDFyUVZHQi1LTGY0TWRmU0dHWDVCU2ZtSXRZN0hxZU1zVzQ0V1pMakRJU21HcUFhWHdPSzU0blRDZTdMQQ?oc=5) · Legacy obituary
- 2017-07-07 [Farmers National Bank announces management promotions - The Lane Report](https://news.google.com/rss/articles/CBMimwFBVV95cUxPOUZTb0x0UHFMekZUNGJDZm44U0hwbXhucl9ndXNnYVRhVl9vZXR0SVdCdkt4U2hEd0pQbHM2QTlKLU9YVTI2ZlNQLVZ1MGdnRXVzbVFObHFNejc1RkhTWVh0S0ZPVGtncUE4eWRNRVJjRHZoN2JWZDNvZVNwUHJZMmFiS3cyWnZhc0hQOHpzczRzcEFPLV9QVjNBUQ?oc=5) · The Lane Report
- 2022-06-16 [Ann Martin to retire from First & Farmers National Bank - Columbia Magazine](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9IUEJPU2xaQjVsbzVxVm1zNk1EaTlXX2t4TXQyalBTbHBfX0hidXotanVFV1NpZWtEazhNM0Y4blZWczBvZmdiSEhvU0hreVdmbUZ3cjZqOW5lbUlZQmQxT3N3QQ?oc=5) · Columbia Magazine
- 2026-07-27 [Dan Harbison to lead Pinnacle’s continued growth in Bowling Green as regional president - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOUnA5UXV3dW1pNDBWOW9Hb1FwaDN4a1pIcTJjUHQ2c2Z3MDRPNkZzOHJGQXZEVDA0R2dYTTJNTEhmSEc0eVlRR2FmYVRRRi1saDVSUGdYcHgzSWJYVnRibERfUHVDT0V5U2dxN0dfem1NX2MzTGFiNkI5dHFCZDFrMHNEdHV4dWZzWVZLTHFoNEhtX00tRzVyeC1DaTdQLVdUZWwyQ2RMdFpFVllaNHByaTJpdHB4bXRJWlZVOENXRTdQYTdsY2QxTmJWRnBJSkN4bm1RSU9WdE9HVkljUGc?oc=5) · Pinnacle Financial Partners
- 2023-03-01 [Farmers National Bank promotes Greg Mills to Chief Financial Officer - pmg-ky2.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOaF9RclZqTXBzNXNTb1hpTmNpNUk1MlRVRnFuZ09fVmRkdjlaV2xjR0ZxVHR1dF9Gakx6c21KY3ZISVJmRGJ5YlNtWnd2cEVIT3NXeEF2aEZ6M3hvS3l1Qk5WdzFsMngtc0lPQjczOUJFVnNHTFFGeUtPczBDSDV2TnNhdV9oSmFDUW1lYXEtTl9CVWgzTVhKaW1laVBKMkR0XzhDaml4TVZINjVhcl9VNFBqSExCZVhHeTcyWnN4M3daZUdKSkx4RlVxYm5odVhLbHVjc21fVFJBal9zQ2VpUkVFdFh3V1FmRm9J?oc=5) · pmg-ky2.com
- 2010-05-21 [OCC Enforcement Actions - occ.gov](https://news.google.com/rss/articles/CBMifkFVX3lxTE40WVF2TEg1XzNQZEJ5bkZRTUlGNWhvWkFkVkN6dU1EelBKNV9rWnhjNVBidk9iaTZJVEw0LUgyS2pzU0tZMjBTTVRYbHhiZnZhR2FHTmFYYU00VmtCSUxmWkdPSEpQZGhPRWREdGJWQkZ5ZURnWEdMNEZwMlhaUQ?oc=5) · occ.gov
- 2019-08-22 [First and Farmers National Bank moves to new headquarters - somerset-kentucky.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPdUh5aWV2TFdGdVEzRmNJcUVUTkkwSkxyVnlBR2QzUWtqdzFZcThoU2ItdG1UaklYSFl4M25ZTHk0SDVfT25NZ2M0Q1g5RUR1VlBPaGNFY3ZwQm5fekxpakJ3aGRxVGxxV2xpbTlaSDRTakRsMXJpcTN3VXlnUDNxRHA1LTZpcVJzWGhSUmZGb1BWRWxMekU5NzE5WDEtbWdVUnZhT29sMm5KU1lwSHViYkdyRWJ4ZUxYbmxpeFBFb2ZvS053clhpWDVXUHBsWXJTS3lqSHI3dDJLT0FVSWhzUkJ2OEJSZmhER0g5T3JR?oc=5) · somerset-kentucky.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=264 (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/8.json (key "264", 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