The Farmers Bank vs Citizens Bank & Trust Company
Comparing a Bank in Nicholasville, KY with a Bank in Campbellsville, KY using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Farmers Bank ↗ Bank · Nicholasville, KY · Est. 1934 | Citizens Bank & Trust Company ↗ Bank · Campbellsville, KY · Est. 1939 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Nicholasville, KY | Campbellsville, KY |
| Total assets | $271.1M | $381.5M |
| Capital ratio | 10.7% | 12.1% |
| Return on assets | 1.0% | 1.2% |
| Deposits | $239.9M | $332.7M |
| Branches | 4 | 4 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 120 | #5 of 120 |
| Established | 1934 | 1939 |
The Farmers Bank
- Assets: $271.1M
- Deposits: $239.9M
- Capital ratio: 10.7%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #3 of 120
Citizens Bank & Trust Company
- Assets: $381.5M
- Deposits: $332.7M
- Capital ratio: 12.1%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #5 of 120
Are both institutions federally insured?
Yes. The Farmers Bank is FDIC-insured and Citizens Bank & Trust Company is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The Farmers Bank or Citizens Bank & Trust Company?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Farmers Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The Farmers Bank safe?
Yes — The Farmers Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Citizens Bank & Trust Company safe?
Yes — Citizens Bank & Trust Company is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The Farmers Bank vs Citizens Bank & Trust Company?
The Farmers Bank has a capital ratio of 10.7%, placing it in the top 42% of $100M–1B peers. Citizens Bank & Trust Company's ratio is 12.1%, placing it in the top 26% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Farmers Bank have compared to Citizens Bank & Trust Company?
The CFPB database shows 0 complaints against The Farmers Bank, and 0 complaints against Citizens Bank & Trust Company. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The Farmers Bank with other Banks in Kentucky
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
