Total Assets
$331M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$279M
Customer-funded liabilities
Net Loans
$166M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
91st percentile nationally
2.04%
Return on Equity (ROE)
13.58%
Efficiency Ratio
58.04%
What the numbers say about Kentucky Farmers Bank Corporation
Kentucky Farmers Bank Corporation is an FDIC-insured institution (Certificate #267) headquartered in Catlettsburg, Kentucky, established in 1931. It holds $331M in total assets - 2,346th of 4,313 FDIC-insured banks, $279M in customer deposits, and $166M in net loans. On safety, its Tier 1 capital ratio of 27.61% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.23% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (97/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kentucky, Kentucky Farmers Bank Corporation ranks 59th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Kentucky by total assets
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.
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 Kentucky Farmers Bank Corporation's health grade?▼
Kentucky Farmers Bank Corporation receives a health grade of A (97/100) 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 Kentucky Farmers Bank Corporation?▼
Kentucky Farmers Bank Corporation holds $331M in total assets and $279M in deposits, ranking 2,346th of 4,313 FDIC-insured banks by asset size. It is headquartered in Catlettsburg, Kentucky.
Is my money safe at Kentucky Farmers Bank Corporation?▼
Yes, deposits at Kentucky Farmers Bank Corporation (Certificate #267) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Kentucky Farmers Bank Corporation's Tier 1 Capital Ratio?▼
Kentucky Farmers Bank Corporation has a Tier 1 Capital Ratio of 27.61%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Kentucky Farmers Bank Corporation?▼
Kentucky Farmers Bank Corporation has a Texas Ratio of 0.23%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Kentucky Farmers Bank Corporation?▼
Kentucky Farmers Bank Corporation has an Efficiency Ratio of 58.04%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Kentucky Farmers Bank Corporation's profile as a depositor or analyst.
- Kentucky Farmers Bank Corporation's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Kentucky Farmers Bank Corporation 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.