This institution is no longer active

Operations ceased on May 21, 2016. CRA examination history below reflects the period it was active.

THE FARMERS BANK

HARDINSBURG, KY · Supervised by FDIC

Est. 1902FDIC #14,102RSSD: FDIC-14102

Part ofFARMERS BANCSHARES INC→ View all charters

Outstanding Same

Current rating · Exam: October 1997

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.86%

Is this bank safe?

THE FARMERS BANK earned an Outstanding CRA rating (1997), is financially strong (ROA +1.86%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

1119 Old Highway 60 East, HARDINSBURG, KY

County

Breckinridge County

Established

January 1, 1902

Total Assets

$112M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2016Call Report / FDIC

Total Assets

$112M

Total Deposits

$88M

Net Loans

$59M

Net Income

$518K

ROA

1.86%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.82%

Risk-Based Capital

33.11%

Above avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.86%Peer avg: 0.44%▲ Above avg

Risk-Based Capital33.11%Peer avg: 23.03%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 1997	Outstanding	Small Bank
Nov 1994	Outstanding	Not Reported
Jun 1992	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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