# FARMERS DEPOSIT BANK
EMINENCE, KY · FDIC certificate 9686 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $58.8M | |
| Deposits | $48.5M | |
| Loans and leases | $38.2M | |
| Total equity | $10.1M | |
| Loans / deposits | 76.77% (p65 of band) | 69.17% |
| Liquid assets / assets | 23.97% (p25 of band) | |
| Uninsured deposits / deposits | 7.98% (p48 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p35 of band) | |
| FHLB advances / assets | 0.01% | |
| Tier 1 leverage | 11.60% (p71 of band) | 10.02% |
| Unrealized securities loss / equity | 2.74% (p46 of band) | 3.21% |
| AOCI / equity | -0.09% (p24 of band) | |
| ROA (annualized) | 0.80% (p51 of band) | 0.78% |
| Net interest margin | 4.72% (p90 of band) | 3.76% |
| Efficiency ratio | 66.54% (p35 of band) | |
| Noncurrent loans | 4.99% (p87 of band) | 1.31% |
| Net charge-offs (annualized) | 0.66% (p88 of band) | |
| Reserve coverage of noncurrent | 46.80% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 34.61% (p71 of band) | |
| Auto loans | $179,000 (0.47% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 2 |  | losing money |
| 2011-12 | 3 | charge-offs p90 |  |
| 2012-03 | 2 |  | noncurrent p90 |
| 2012-06 | 1 |  | charge-offs p90 |

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

- 2019-10-30 [Farmers National Bank and Farmers Deposit Bank announce plans to merge - The Lane Report](https://news.google.com/rss/articles/CBMiswFBVV95cUxPV25EQlpuU005dnRZX0djTTZLcmtjVTRQZmxHQzNjcVN4aWk5ZXhFbXRCanhQMThrNGE1M1dtU2E5ZzZmRVF4dHlyamVQeENRWTIwa05XTFlKa09IejBOYkxuVFh0dDc4bkdfTThNUWhQaF9QYmc1SzJSLXdZaEt1OG5ibWhKbFdoenUwQmNISFdNZi1ndlNtSThnRDUtWnhfMjlLRC1EVlhHU0Y5VzB6dGI0RQ?oc=5) · The Lane Report
- 2022-09-20 [Peoples Bank holds grand re-opening after renovation - pmg-ky1.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNNnB2eElBM1E1R2plZGt3bU1aMDd6bnNVSldyOEQ0dXI0YVBYWUVmNFdoaXJ3ZkhiaWNPeHVINndNN0xfeG4wSC1MZW1WU2dVWU1TR3VHaVYwN1J2NGdwN19pcjZkMVU2YjdTTlp3Rm5vYmQ0cHUtOWNlT0h2NWxVMkNyRzZUeVFWdFpXeTd3TjJDVmhMNHVta3NUVVdvWEIxT1hoYUYwYVRLS3NDbnZiU2Q0dFJvbUQ4ZXB2ajJnQWdCTTBmT0hLejFhZXN5YW5lQ3VzUTF1RzBkM2NLbXc?oc=5) · pmg-ky1.com
- 2020-09-28 [Farmers National Bank CEO to retire after 40 years - amnews.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQampqMjhzOURPRzl6M2JIcnRFSlhmY0NLVHVsdU5PVzV1elA2TFM3a2FuUHYtVVMwQmt2UXNnWElWeS1BSFZDQ09TQURVTjJUVmVuVmtYWTV4Vk45TlV5dUlOYmR0ZGRxQzYyMmxaY3BVSmk0UmJqOTg4eVpOdDNTSlRfUmJpUVZn?oc=5) · amnews.com
- 2014-09-30 [Charles Mann Obituary - Louisville, KY - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNcUdYRmlwazJuZUdDZTZJOVJlY3ZhS3hBV0pENnNDZGlCSmpHN2NQc01iZUVBWmV2Q3BTYVJlOUtmWnRRRlJ3R1Jtc3BMU3FvQzF5OGFSd1JvS3pjdHdYTVZfalVXblZGN3gwRG9aWWFGaEpkbV9icFd6WDVrMGFWOUdWSQ?oc=5) · Dignity Memorial
- 2019-09-30 [George F. Duthie - The Courier-Journal](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBTVlZUOGoxV3dmOHlLQ0ZjQjM3elJTZ0NBRkNobF9PWGxFVXBaZGxickM1dzZQem1kcmQ1ekV3SkEzdWtkam9COE5BaEd1Z29YeV9IOVVGS0RoSExmZWNmaVB3?oc=5) · The Courier-Journal
- 2021-06-26 [James Kimbell Obituary (1929 - 2020) - Louisville, KY - Courier-Journal - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxPdFlLSXcxa21wSmpTQW9za2x1TmlfdnNvYWhlS2ZNM0xObE8ycW1URW1aSjlSNFVCd3FPVDRVVkpBczVwNlhVQ204al82UFE1T2RTd1FzVnhTamQyTURtMXdsTEV6VmpwTlJfTHdvS1pxbnVvSVFETkdHeHYxeEZVai1jTFQ2UFZtbVBsR3NaTQ?oc=5) · Legacy obituary
- 2012-02-08 [Public record for the week of Feb. 8 - pmg-ky1.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNRzE0SUd3cUZXVGhmTjdkVENlYkJnZjQ2aFFJZ1EyVVNKVWpPcXpJRXJkTGE0UldKLWFPVkM5UXROaUVVX3liZmQzVWZFVTRvR0JITElQTlR1QkNNeTRxaHZjOWpDTVBHS3ZVQ2t4Z002YzM0Rlp5VHYxYXE3SldQNVlCMEQ1S2lwVFpNTl9xLTR2VUNUdWVwSXEyQ2VxQTdNSVNPbTd4c1FfaGxBeDJZdWFhdTc4c3dPRUpzUWF6UWNYRFFSSndud3ZzQnFHbmJSX2E0?oc=5) · pmg-ky1.com
- 2022-06-18 [Laura Whitney Obituary (2022) - Eminence, KY - Henry County Local - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxOVy1fdGFSa2xTV0dFcnZ4anJzYUdXQVVSdmJTeldNczNucldVTG9qdXpteEJCTTk5eXVEcWRtdGRscl9CMUREcWNvLUJlTHRFakhYSTdlMEJwemFWeGtnaHppbHFuZlYwQWI3c004LVI3Ujk1NXMxMTZReEhFSENHYzg0NjlBOGZNUmZzUQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9686 (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 "9686", 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