Farmers National Bank of Danville

Danville, Kentucky · $990M in assets · beside the 11 other Kentucky banks between $300M and $1B

The filing

1.78%

NPA / loans

12th of 12

94.7%

Loans / deposits

10th of 12

0.9x

Coverage of noncurrent

10th of 12

Farmers National Bank of Danville is the largest of the 12 Kentucky banks nearest its size between $300M and $1B, with $990M in assets at 30 June 2026. Loans are 94.7% of deposits, 10th of 12 against a median of 81.0%, and equity is 9.9% of assets, 4th of 12. Loans grew +5.2% in the year, 8th of 12, and deposits fell 6.7%; the cohort's median loan growth is +5.6%.

Noncurrent loans are 1.78% of the book, the highest in the cohort against a median of 0.50%; 0.29% is 30 to 89 days past due, and the allowance covers them 0.9 times. Commercial real estate is 26.7% of loans, 4th of 12 against a median of 28.9%, and 187% of capital, below the 300% screen, with construction at 32% against the 100% screen.

Return on assets is 1.32%, 6th of 12 against a median of 1.29%, on an efficiency ratio of 63.5%, 9th of 12. Five years ago it was 0.96%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Nonperforming loans, share of loansKY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first

Loans, year over yearKY banks $300M to $1B · 30 June 2026 · no better direction, largest first

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met

	Farmers National	Rank	Cohort median
Total CRE against capital, the 300% screen	187%	6th of 12	192%
Construction against capital, the 100% screen	32%	3rd of 12	70%
Construction and land development, share of loans	4.6%	1st of 12	9.5%
Non-owner-occupied nonfarm nonresidential, share of loans	17.4%	8th of 12	14.1%
Total CRE, the guidance definition, share of loans	26.7%	4th of 12	28.9%
CRE growth over 36 months, the third prong	+10.8%	4th of 12	+22.1%

Commercial real estate against capital, the 300% screenKY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first

CRE growth over 36 months, the guidance's third prongKY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends

Institution	Assets	ROA	Efficiency	NPA / loans	Net charge-offs	Allowance / loans	Loans / deposits	Equity / assets
Farmers National Bank of Danville	$990M	1.3%	63.5%	1.78%	0.03%	1.5%	94.7%	9.9%
American Bank & Trust Co. Inc	$924M	1.0%	56.0%	1.22%	0.03%	1.0%	93.2%	9.1%
Wilson & Muir Bank & Trust Co.	$818M	2.5%	46.2%	0.27%	0.04%	1.0%	75.6%	6.9%
Cumberland Valley National Bank & Trust Co.	$816M	1.1%	65.7%	0.22%	-0.08%	1.4%	75.9%	9.2%
Franklin Bank & Trust Co.	$804M	1.6%	51.5%	1.08%	0.15%	0.9%	106.0%	13.4%
Farmers Bank & Trust Co.	$794M	1.8%	56.5%	0.23%	0.02%	0.7%	94.4%	8.9%
FNB Bank Inc	$770M	1.2%	59.8%	0.68%	0.02%	1.7%	73.2%	7.8%
First & Farmers National Bank Inc	$714M	1.5%	56.4%	0.77%	0.05%	1.5%	78.5%	11.0%
Citizens National Bank of Somerset	$701M	1.7%	55.6%	0.18%	0.01%	1.5%	67.5%	5.9%
Citizens Bank of Kentucky Inc	$670M	1.0%	66.7%	0.85%	0.03%	1.4%	60.7%	13.4%
Peoples Exchange Bank	$610M	1.3%	62.0%	0.06%	0.02%	1.2%	99.2%	9.7%
Hearthside Bank Corp.	$609M	0.8%	72.2%	0.32%	-0.01%	1.2%	83.4%	9.0%

Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points

	Farmers National			Cohort median
	2021	2026	Change	2021	2026	Change
Loans	$468M	$803M	+72%	$364M	$534M	+47%
Deposits	$715M	$848M	+19%	$527M	$675M	+28%
NPA / loans	0.98%	1.78%	+0.79 pts	0.39%	0.50%	+0.10 pts
Efficiency	71.5%	63.5%	-8.0 pts	68.6%	58.2%	-10.4 pts
ROA	0.96%	1.32%	+0.35 pts	1.00%	1.29%	+0.29 pts

This read was prepared for Farmers National Bank of Danville's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Farmers National Bank of Danville is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort KY banks $300M to $1B
Institution www.fnbky.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.

← Back to the catalogue