Total Assets
$313M
Total balance-sheet footings
FDIC Cert #12163 · Milton, Kentucky · Est. 1902
The Farmers Bank of Milton - FDIC Bank Health Profile
A community-scale look at The Farmers Bank of Milton's own numbers, pulled straight from its quarterly FDIC Call Report.
- $313M
- Total assets
- B
- Health grade · Good
- 0.61%
- Return on assets
- 18.7%
- Tier 1 capital
Data updated July 2026
The verdict
The Farmers Bank of Milton earns a PlainBankData health grade of B (74/100), with well-capitalized at 18.68% Tier 1, 0.61% ROA, 77% efficiency ratio.
- #2,430
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 18.68%
- Tier 1 ratio - above the 10% well-capitalized line
- 20th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Farmers Bank of Milton's 74/100 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 of Milton's composite health score
Tier 1 Capital Ratio (18.68%) 40/40
Return on Assets (ROA) (0.61%) 14/25
Texas Ratio (7.35%) 16/20
Efficiency Ratio (77.10%) 4/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$255M
Customer-funded liabilities
Net Loans
$211M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Farmers Bank of Milton ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Farmers Bank of Milton's score of 74/100 falls in the highlighted band.
The Farmers Bank of Milton'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 of Milton's $313M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.68% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.68%
Texas Ratio
7.35%
Equity Capital
$29M
Profitability metrics
Return on Assets (ROA)
20th percentile nationally
0.61%
Return on Equity (ROE)
7.09%
Efficiency Ratio
77.10%
What the numbers say about The Farmers Bank of Milton
The Farmers Bank of Milton is an FDIC-insured institution (Certificate #12163) headquartered in Milton, Kentucky, established in 1902. It holds $313M in total assets - 2,430th of 4,313 FDIC-insured banks, $255M in customer deposits, and $211M in net loans. Looking at capital strength, Tier 1 stands at 18.68%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 7.35%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (74/100), 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, The Farmers Bank of Milton ranks 60th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$15M
Interest Income
$856K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Farmers Bank of Milton reports a Texas Ratio of 7.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.35% - 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) The Farmers Bank of Milton (FDIC Cert #12163) - 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 The Farmers Bank of Milton's health grade?▼
The Farmers Bank of Milton receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Farmers Bank of Milton?▼
The Farmers Bank of Milton holds $313M in total assets and $255M in deposits, ranking 2,430th of 4,313 FDIC-insured banks by asset size. It is headquartered in Milton, Kentucky.
Is my money safe at The Farmers Bank of Milton?▼
Yes, deposits at The Farmers Bank of Milton (Certificate #12163) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Farmers Bank of Milton's Tier 1 Capital Ratio?▼
The Farmers Bank of Milton has a Tier 1 Capital Ratio of 18.68%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Farmers Bank of Milton?▼
The Farmers Bank of Milton has a Texas Ratio of 7.35%. 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 of Milton?▼
The Farmers Bank of Milton has an Efficiency Ratio of 77.10%. 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 of Milton's profile as a depositor or analyst.
- The Farmers Bank of Milton's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Farmers Bank of Milton 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.