Total Assets
$68M
Total balance-sheet footings
FDIC Cert #288 · Campton, Kentucky · Est. 1902
Farmers & Traders Bank of Campton - FDIC Bank Health Profile
A community-scale look at Farmers & Traders Bank of Campton's own numbers, pulled straight from its quarterly FDIC Call Report.
- $68M
- Total assets
- A
- Health grade · Excellent
- 1.23%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers & Traders Bank of Campton earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.47% Tier 1, profitable at 1.23% ROA, 68% efficiency ratio.
- #4,002
- largest of 4,313 FDIC banks by assets
- 7th
- percentile by asset size, nationally
- 12.47%
- Tier 1 ratio - above the 10% well-capitalized line
- 59th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Farmers & Traders Bank of Campton's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers & Traders Bank of Campton's composite health score
Tier 1 Capital Ratio (12.47%) 35/40
Return on Assets (ROA) (1.23%) 20/25
Texas Ratio (0.42%) 20/20
Efficiency Ratio (68.01%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$55M
Customer-funded liabilities
Net Loans
$40M
Outstanding loan book
Net Income
$817K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers & Traders Bank of Campton ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers & Traders Bank of Campton's score of 83/100 falls in the highlighted band.
Farmers & Traders Bank of Campton's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers & Traders Bank of Campton's $68M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.47% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.47%
Texas Ratio
0.42%
Equity Capital
$5M
Profitability metrics
Return on Assets (ROA)
59th percentile nationally
1.23%
Return on Equity (ROE)
20.46%
Efficiency Ratio
68.01%
What the numbers say about Farmers & Traders Bank of Campton
Farmers & Traders Bank of Campton is an FDIC-insured institution (Certificate #288) headquartered in Campton, Kentucky, established in 1902. It holds $68M in total assets - 4,002nd of 4,313 FDIC-insured banks, $55M in customer deposits, and $40M in net loans. Its capital position: a Tier 1 ratio of 12.47%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.42% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Farmers & Traders Bank of Campton is a community-scale institution -- 113th of 120 FDIC-insured banks headquartered in Kentucky by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$3M
Interest Income
$246K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers & Traders Bank of Campton reports a Texas Ratio of 0.42% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.42% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers & Traders Bank of Campton (FDIC Cert #288) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Farmers & Traders Bank of Campton's health grade?▼
Farmers & Traders Bank of Campton receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Farmers & Traders Bank of Campton?▼
Farmers & Traders Bank of Campton holds $68M in total assets and $55M in deposits, ranking 4,002nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Campton, Kentucky.
Is my money safe at Farmers & Traders Bank of Campton?▼
Yes, deposits at Farmers & Traders Bank of Campton (Certificate #288) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers & Traders Bank of Campton's Tier 1 Capital Ratio?▼
Farmers & Traders Bank of Campton has a Tier 1 Capital Ratio of 12.47%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Farmers & Traders Bank of Campton?▼
Farmers & Traders Bank of Campton has a Texas Ratio of 0.42%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers & Traders Bank of Campton?▼
Farmers & Traders Bank of Campton has an Efficiency Ratio of 68.01%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers & Traders Bank of Campton's profile as a depositor or analyst.
- Farmers & Traders Bank of Campton's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers & Traders Bank of Campton against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.