FDIC Cert #267 · Catlettsburg, Kentucky · Est. 1931

Kentucky Farmers Bank Corporation - FDIC Bank Health Profile

A community-scale look at Kentucky Farmers Bank Corporation's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$331M
Total assets
A
Health grade · Excellent
2.04%
Return on assets
27.6%
Tier 1 capital

Data updated July 2026

The verdict

Kentucky Farmers Bank Corporation earns a PlainBankData health grade of A (97/100), with well-capitalized at 27.61% Tier 1, profitable at 2.04% ROA, efficient (58% cost ratio).

#2,346
largest of 4,313 FDIC banks by assets
46th
percentile by asset size, nationally
27.61%
Tier 1 ratio - above the 10% well-capitalized line
91st
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.

FDIC Call Report plate

Cert 267 · KY A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #207/4307
  • PHOTO-FINISH First National Bank… · GA
  • TIER1-WELL 27.6% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-STRONG 2.04% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: First National Bank of Griffin, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Kentucky Farmers Bank Corporation

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Hazlehurst · GA · ne…97/100Bank of Millbrook · NY · near97/100First National Bank… · GA · …97/100Kentucky Farmers Ban… · KY ·…97/100Minster Bank · OH · near97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Kentucky Farmers Bank Corporation · July 2026

What Kentucky Farmers Bank Corporation's Call Report plate shows

Kentucky Farmers Bank Corporation (FDIC Cert #267) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #207 of 4,307. Tier 1 capital prints at 27.61%, clearing the 10% well-capitalized line. The Texas Ratio is 0.23%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.04%. Balance-sheet scale is $331M, 2,346th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank of Griffin (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Kentucky Farmers Bank Corporation

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

Kentucky Farmers Bank Corporation's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Kentucky Farmers Bank Corporation remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How Kentucky Farmers Bank Corporation's 97/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10097/100
Kentucky Farmers Bank Corporation's composite health score
Tier 1 Capital Ratio (27.61%) 40/40
Return on Assets (ROA) (2.04%) 25/25
Texas Ratio (0.23%) 20/20
Efficiency Ratio (58.04%) 12/15

97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$331M

Total balance-sheet footings

Total Deposits

$279M

Customer-funded liabilities

Net Loans

$166M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 26.21% 27.61% 29.01%
Basel III capital ratios - Kentucky Farmers Bank Corporation

Where Kentucky Farmers Bank Corporation ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Kentucky Farmers Bank Corporation's score of 97/100 falls in the highlighted band.

Kentucky Farmers Bank Corporation: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 5% higher than 95% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Kentucky Farmers Bank Corporation 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Kentucky Farmers Bank Corporation'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). Kentucky Farmers Bank Corporation's $331M falls in the highlighted band.

Safety ratios for Kentucky Farmers Bank Corporation

Tier 1 capital ratio
Well-capitalized 10%

27.61% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
27.61%
Texas Ratio
0.23%
Equity Capital
$51M

What these ratios mean →

Earnings posture at Kentucky Farmers Bank Corporation

Return on Assets (ROA)
91st percentile nationally
2.04%
Return on Equity (ROE)
13.58%
Efficiency Ratio
58.04%

What these mean →

Income & expense at Kentucky Farmers Bank Corporation

$17M
Interest Income
$3M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Kentucky Farmers Bank Corporation reports a Texas Ratio of 0.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Kentucky Farmers Bank Corporation on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($331M here), outside Kentucky so the neighborhood is not state containment.

Great Southern Bank $331M · MS The Citizens Bank Company $331M · OH Glenwood State Bank $331M · IA Sooner State Bank $331M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Kentucky Farmers Bank Corporation (FDIC Cert #267) - 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.

Kentucky Farmers Bank Corporation Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
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%