Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #12828 · Frankfort, Indiana · Est. 1876
The Farmers Bank, Frankfort, Indiana - FDIC Bank Health Profile
A community-scale look at The Farmers Bank, Frankfort, Indiana's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- C
- Health grade · Fair
- 0.96%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
The Farmers Bank, Frankfort, Indiana earns a PlainBankData health grade of C (60/100), with 9.86% Tier 1 capital, 0.96% ROA, 68% efficiency ratio.
- #929
- largest of 4,313 FDIC banks by assets
- 79th
- percentile by asset size, nationally
- 9.86%
- Tier 1 ratio - below the 10% well-capitalized line
- 40th
- 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 The Farmers Bank, Frankfort, Indiana's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Farmers Bank, Frankfort, Indiana's composite health score
Tier 1 Capital Ratio (9.86%) 18/40
Return on Assets (ROA) (0.96%) 14/25
Texas Ratio (2.63%) 20/20
Efficiency Ratio (68.08%) 8/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$921M
Customer-funded liabilities
Net Loans
$798M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Farmers Bank, Frankfort, Indiana ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Farmers Bank, Frankfort, Indiana's score of 60/100 falls in the highlighted band.
The Farmers Bank, Frankfort, Indiana'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). The Farmers Bank, Frankfort, Indiana's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.86% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.86%
Texas Ratio
2.63%
Equity Capital
$96M
Profitability metrics
Return on Assets (ROA)
40th percentile nationally
0.96%
Return on Equity (ROE)
11.92%
Efficiency Ratio
68.08%
What the numbers say about The Farmers Bank, Frankfort, Indiana
The Farmers Bank, Frankfort, Indiana is an FDIC-insured institution (Certificate #12828) headquartered in Frankfort, Indiana, established in 1876. It holds $1.1B in total assets - 929th of 4,313 FDIC-insured banks, $921M in customer deposits, and $798M in net loans. Looking at capital strength, Tier 1 stands at 9.86%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.63%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (60/100), 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 Indiana, The Farmers Bank, Frankfort, Indiana ranks 19th of 90 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$59M
Interest Income
$7M
Non-Interest Income
$29M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Farmers Bank, Frankfort, Indiana reports a Texas Ratio of 2.63% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.63% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Farmers Bank, Frankfort, Indiana (FDIC Cert #12828) - 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 Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is The Farmers Bank, Frankfort, Indiana's health grade?▼
The Farmers Bank, Frankfort, Indiana receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Farmers Bank, Frankfort, Indiana?▼
The Farmers Bank, Frankfort, Indiana holds $1.1B in total assets and $921M in deposits, ranking 929th of 4,313 FDIC-insured banks by asset size. It is headquartered in Frankfort, Indiana.
Is my money safe at The Farmers Bank, Frankfort, Indiana?▼
Yes, deposits at The Farmers Bank, Frankfort, Indiana (Certificate #12828) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Farmers Bank, Frankfort, Indiana's Tier 1 Capital Ratio?▼
The Farmers Bank, Frankfort, Indiana has a Tier 1 Capital Ratio of 9.86%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for The Farmers Bank, Frankfort, Indiana?▼
The Farmers Bank, Frankfort, Indiana has a Texas Ratio of 2.63%. 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 The Farmers Bank, Frankfort, Indiana?▼
The Farmers Bank, Frankfort, Indiana has an Efficiency Ratio of 68.08%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Farmers Bank, Frankfort, Indiana's profile as a depositor or analyst.
- The Farmers Bank, Frankfort, Indiana's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Farmers Bank, Frankfort, Indiana against other Indiana banks before moving funds. Indiana 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.