KY lenders / Community Bank
The Farmers Bank of Milton
Community Bank · Milton, KY · Farmers Financial Corp
- Total assets
- $312.9M
- CRE loan book
- $59.5M
- QoQ CRE growth
- 2.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.96% as of Q1 2026 — TX bank median 4.87% (1.10pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.96% | 6.08% |
| Q4 2025 | 6.17% | 6.29% |
| Q3 2025 | 6.04% | 6.18% |
| Q2 2025 | 5.91% | 6.05% |
| Q1 2025 | 5.91% | 6.03% |
| Q4 2024 | 5.88% | 6.01% |
| Q3 2024 | 5.79% | 5.94% |
| Q2 2024 | 5.72% | 5.84% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $59.5M | $15.5M | $3.1M | 89% | $312,000 |
| Q4 2025 | $57.9M | $15.1M | $3.1M | 84% | $0 |
| Q3 2025 | $56.4M | $14.8M | $3.2M | 82% | $0 |
| Q2 2025 | $57.0M | $16.3M | $3.2M | 85% | $4,000 |
| Q1 2025 | $55.9M | $18.0M | $3.2M | 86% | $4,000 |
| Q4 2024 | $58.2M | $20.8M | $3.2M | 92% | $4,000 |
| Q3 2024 | $58.8M | $22.8M | $2.6M | 96% | $4,000 |
| Q2 2024 | $58.7M | $22.5M | $2.5M | 95% | $103,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Center National BankCommunity Bank · Litchfield · $59.7M CRE book
- First Community Bank of the Heartland, Inc.Community Bank · Clinton · $59.9M CRE book
- The Farmers BankCommunity Bank · Nicholasville · $59.1M CRE book
- State Bank of GraymontCommunity Bank · Graymont · $60.2M CRE book
- Partners Bank of WisconsinCommunity Bank · Marshfield · $58.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.