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Farmers Bank of Milton

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Farmers Bank of Milton Rates & Review April 2026

Q: How many branches does Farmers Bank of Milton operate?

Farmers Bank of Milton currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Farmers Bank of Milton does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers Bank of Milton provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

You can compare Farmers Bank of Milton rates to other rates in our database, including 12-month CD rates currently at 0.25%, 6-month CD rates at 3.00% and 3-month CD rates at 1.00%. Savings rates are at 0.10% and money market rates are at 3.00%. Mortgage rates on 30-year fixed loans are around 5.96%. All these rates can be compared to Farmers Bank of Milton rates. MonitorBankRates evaluates the financial stability of Farmers Bank of Milton with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.14%. Rates were last updated on 04/17/2026.

Farmers Bank of Milton money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Farmers Bank of Milton? Share your experience about Farmers Bank of Milton by leaving a review below, or read customer reviews before you decide to use Farmers Bank of Milton.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.14%

Excellent Higher than avg

Farmers Bank of Milton

41 Ferry St
Milton, KY 40045

https://www.fbmilton.com

Current Rate Availability

We do not have Farmers Bank of Milton rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Farmers Bank of Milton is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Farmers Bank of Milton rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Farmers Bank of Milton's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Farmers Bank of Milton

Bank Holding Company FARMERS FINANCIAL CORP

Address 41 Ferry St, Milton, KY 40045 · Trimble

Website https://www.fbmilton.com

FDIC Certificate # 12163

Established 01/01/1902

FDIC Insurance Date 01/01/1934

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.14%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3514%

Return on Equity (ROE) 4.4000%

Non-Performing Loans (NPL) 0.60%

Total Assets $312,856,000

Total Deposits $255,358,000

Equity Capital $29,395,000

Net Income $1,893,000

Headquarters Milton

Total Offices 5

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Farmers Bank of Milton

Is Farmers Bank of Milton a safe place to deposit money?

Yes, Farmers Bank of Milton is considered a safe financial institution. With a Texas Ratio of 9.1442635365392%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Farmers Bank of Milton operate?

Farmers Bank of Milton currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Farmers Bank of Milton does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers Bank of Milton provides members with tools to manage their accounts and build a solid financial history.

Does Farmers Bank of Milton offer online and mobile banking?

Most modern institutions like Farmers Bank of Milton provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fbmilton.com.