🏦Bank Scorer

THE FARMERS BANK OF MILTON

MILTON, KY · Supervised by FDIC

Est. 1902FDIC #12,163RSSD: FDIC-12163
Part ofFARMERS FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.61%

Institution Profile

FDIC BankFind

Address

41 Ferry St, MILTON, KY

County

Trimble County

Established

January 1, 1902

Total Assets

$313M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$313M

Total Deposits

$256M

Net Loans

$210M

Net Income

$480K

ROA

0.61%

ROE

6.63%

Risk-Based Capital

19.34%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate13.67%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$256M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413978.42%13.67%
202317883.15%9.55%
202218986.77%4.76%
202119488.14%4.12%
202018977.78%11.11%
201923078.26%8.70%
201819083.68%7.89%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/77a76f3a-100a-40e8-9a61-1166dc99940e"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: