What is Farmers Bank and Trust Company's financial health grade?

Farmers Bank and Trust Company has a TFS Financial Health Grade of C (score: 73.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Farmers Bank and Trust Company have?

Farmers Bank and Trust Company has 10 branch locations across the United States.

Is Farmers Bank and Trust Company FDIC insured?

Yes, Farmers Bank and Trust Company is FDIC insured (Certificate #12869).

What are the total assets of Farmers Bank and Trust Company?

Farmers Bank and Trust Company has total assets of $760.1M as reported in its most recent FDIC filing.

Farmers Bank and Trust Company

BankMarion, Kentucky

www.farmers247.com

Total Assets

$760.1M

Total Deposits

$629.0M

Branches

Established

1899

TFS Health Grade

73.2 / 100

Average financial health

How we grade

Farmers Bank and Trust Company is a bank headquartered in Marion, Kentucky, established in 1899. With $760.1M in total assets and 10 branch locations, it has a TFS Financial Health Grade of C (73.2/100).

Capital & Safety

Tier 1 Capital Ratio

9.09%(8%)

Total Capital Ratio

11.41%(10%)

Non-Performing Loan Ratio

0.29%

Profitability

Return on Assets (ROA)

1.64%(1%)

Return on Equity (ROE)

19.01%(10%)

Net Interest Margin

3.96%

Efficiency Ratio

58.56%(60%)

Lending & Liquidity

Total Loans

$642.9M

Loan-to-Deposit Ratio

101.55%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

+6.56%

Deposit Growth (YoY)

+6.76%

Net Income

$11.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Farmers Bank and Trust CompanyHQ	201 S Main St	Marion	KY	11
Farmers Bank and Trust Company	2009 Scottsville Rd	Bowling Green	KY	11
Farmers Bank and Trust Company	1 Veterans Memorial Blvd	Calhoun	KY	11
Farmers Bank and Trust Company	110 N 1st St	Central City	KY	11
Farmers Bank and Trust Company	112 W Depot St	Greenville	KY	11
Farmers Bank and Trust Company	1555 S Green St	Henderson	KY	11
Farmers Bank and Trust Company	201 E 3rd St	Livermore	KY	11
Farmers Bank and Trust Company	2215 N Main St	Madisonville	KY	11
Farmers Bank and Trust Company	203 N Main St	Marion	KY	23
Farmers Bank and Trust Company	216 W Main St	Salem	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.