Farmers Bank Of Milton (FDIC #12163): Bank Stress & Real-Estate Credit Exposure

Farmers Bank Of Milton (FDIC Cert #12163): bank stress 78/100, severe, STABLE over 7 days; parent FARMERS FINANCIAL CORP.

Farmers Bank Of Milton (#12163) lends in 4 counties across 2 states; Farmers Bank Of Milton (#12163) reaches 30 ZIP codes: Kentucky 3 counties, 19 ZIPs; Indiana 1 county, 11 ZIPs.

Farmers Bank Of Milton (#12163) largest markets: Jefferson County, IN (11 branches, 11 ZIPs) (#12163), Oldham County, KY (22 branches, 11 ZIPs) (#12163), Carroll County, KY (8 branches, 8 ZIPs) (#12163), Trimble County, KY (5 branches, 5 ZIPs) (#12163).

Farmers Bank Of Milton (#12163) reports $305.1 million in total assets; Farmers Bank Of Milton (#12163) equity $29.6 million (9.7% of Farmers Bank Of Milton (#12163) assets); Farmers Bank Of Milton (#12163) domestic deposits $253.4 million; Farmers Bank Of Milton (#12163) net income $1.0 million; Farmers Bank Of Milton (#12163) return on assets 0.66%; Farmers Bank Of Milton (#12163) return on equity 6.99%; Farmers Bank Of Milton (#12163) net interest income $4.5 million; Farmers Bank Of Milton (#12163) call report June 30, 2026.

Farmers Bank Of Milton (#12163) noncurrent real-estate loans: none reported; Farmers Bank Of Milton (#12163) net charge-offs on real estate 1.30%; Farmers Bank Of Milton (#12163) residential charge-offs 0.80%.

Farmers Bank Of Milton (#12163) net interest margin 3.09% against an eight-quarter Farmers Bank Of Milton (#12163) average of 2.84% (Farmers Bank Of Milton (#12163) compression -0.25 points); Farmers Bank Of Milton (#12163) non-residential real estate 80.3% of equity; Farmers Bank Of Milton (#12163) rate-exposure score 40/100, Farmers Bank Of Milton (#12163) fixed-rate trap 40/100; Farmers Bank Of Milton (#12163) risk type credit driven; Farmers Bank Of Milton (#12163) rate regime rates elevated, Farmers Bank Of Milton (#12163) snapshot October 19, 2026.

Farmers Bank Of Milton (#12163) stress score moved from 79.7 on June 22, 2026 to 78.4 on October 19, 2026; Farmers Bank Of Milton (#12163) ranged 78.4 to 79.7 over 116 snapshots.

Farmers Bank Of Milton (#12163) alerts: 4 counties; top Farmers Bank Of Milton (#12163) alert scores: Madison County, KY 41 (moderate); Carrollton County, KY 25 (low); La Grange County, KY 25 (low); Milton County, KY 25 (low).