FDIC Cert #2754 · Lebanon, Kentucky · Est. 1890

The Farmers National Bank of Lebanon - FDIC Bank Health Profile

A community-scale look at The Farmers National Bank of Lebanon's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$149M
Total assets
B
Health grade · Good
1.06%
Return on assets
11.7%
Tier 1 capital

Data updated July 2026

The verdict

The Farmers National Bank of Lebanon earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.67% Tier 1, profitable at 1.06% ROA, 67% efficiency ratio.

#3,361
largest of 4,313 FDIC banks by assets
22nd
percentile by asset size, nationally
11.67%
Tier 1 ratio - above the 10% well-capitalized line
47th
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.

FDIC Call Report plate

Cert 2754 · KY B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2527/4307
  • PHOTO-FINISH Community Neighbor B… · AL
  • TIER1-WELL 11.7% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 1.06% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: Community Neighbor Bank, AL (±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 The Farmers National Bank of Lebanon

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

Morgan Stanley Bank,… · UT ·…100/100Badger Bank · WI · near76/100Community Neighbor B… · AL ·…76/100Texas Heritage Natio… · TX ·…76/100The Farmers National… · KY ·…76/100The First National B… · TX ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Farmers National Bank of Lebanon · July 2026

What The Farmers National Bank of Lebanon's Call Report plate shows

The Farmers National Bank of Lebanon (FDIC Cert #2754) carries a PlainBankData health grade of B at 76/100, 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 #2,527 of 4,307. Tier 1 capital prints at 11.67%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.06%. Balance-sheet scale is $149M, 3,361st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community Neighbor Bank (AL), 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 The Farmers National Bank of Lebanon

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

The Farmers National Bank of Lebanon'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; The Farmers National Bank of Lebanon 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 The Farmers National Bank of Lebanon's 76/100 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 avg77/10076/100
The Farmers National Bank of Lebanon's composite health score
Tier 1 Capital Ratio (11.67%) 28/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (66.57%) 8/15

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

Balance sheet at a glance

Total Assets

$149M

Total balance-sheet footings

Total Deposits

$131M

Customer-funded liabilities

Net Loans

$103M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.27% 11.67% 13.07%
Basel III capital ratios - The Farmers National Bank of Lebanon

Where The Farmers National Bank of Lebanon ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Farmers National Bank of Lebanon's score of 76/100 falls in the highlighted band.

The Farmers National Bank of Lebanon: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 41st percentile higher than 41% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Farmers National Bank of Lebanon 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

The Farmers National Bank of Lebanon'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 National Bank of Lebanon's $149M falls in the highlighted band.

Safety ratios for The Farmers National Bank of Lebanon

Tier 1 capital ratio
Well-capitalized 10%

11.67% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.67%
Texas Ratio
0.00%
Equity Capital
$15M

What these ratios mean →

Earnings posture at The Farmers National Bank of Lebanon

Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
10.66%
Efficiency Ratio
66.57%

What these mean →

Income & expense at The Farmers National Bank of Lebanon

$7M
Interest Income
$702K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Farmers National Bank of Lebanon reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Farmers National Bank of Lebanon 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 ($149M here), outside Kentucky so the neighborhood is not state containment.

First State Bank $149M · IA Legends West Bank $149M · NE Fannin Bank $148M · TX Priority Bank $148M · AR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Farmers National Bank of Lebanon (FDIC Cert #2754) - 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.

The Farmers National Bank of Lebanon 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%