Question 1

What is The Farmers Bank of Frankfort?

Accepted Answer

The Farmers Bank of Frankfort is a community-focused commercial bank headquartered in Frankfort, Indiana. With over $1.1 billion in assets as of 2025, the bank specializes in commercial lending and serves Central Indiana communities with a relationship-driven approach. The bank operates 11 full-service locations and employs approximately 152 people.

The Farmers Bank of Frankfort is a state-chartered commercial bank and member of the Federal Deposit Insurance Corporation (FDIC), providing comprehensive retail, commercial, trust, and investment services to individuals, businesses, and agricultural clients throughout Central Indiana.

Question 2

When was The Farmers Bank of Frankfort founded?

Accepted Answer

The Farmers Bank of Frankfort was founded in 1876, making it one of Indiana's oldest continuously operating financial institutions. The bank was chartered to serve the agricultural and commercial needs of Clinton County and surrounding communities during the post-Civil War era.

Over its nearly 150-year history, the bank has evolved from a small agricultural lender into a full-service commercial bank with over $1.1 billion in assets. The bank remains locally owned and operated through its holding company, The Farmers Bancorp.

In fiscal year 2025, the bank celebrated significant milestones including surpassing $1.1 billion in assets for the first time, marking 149 years of continuous service, and preparing for its 150th anniversary celebrations.

Question 3

Where is The Farmers Bank of Frankfort headquartered?

Accepted Answer

The Farmers Bank of Frankfort is headquartered at 9 East Clinton Street, Frankfort, Indiana 46041. The headquarters location in downtown Frankfort has served as the bank's home base since its founding in 1876.

Frankfort, the county seat of Clinton County, is located in Central Indiana approximately 50 miles northwest of Indianapolis.

Question 4

Where does The Farmers Bank of Frankfort operate?

Accepted Answer

The Farmers Bank of Frankfort operates 11 branch locations across Central Indiana, serving multiple counties including Clinton, Boone, Hamilton, and Tipton counties.

Branch locations include:
• Clinton County: Frankfort (headquarters and Wesley Manor branch), Michigantown, Rossville
• Hamilton County: Noblesville, Fishers, Westfield
• Boone County: Lebanon
• Carroll County: Mulberry
• Madison County: Sheridan
• Howard County: Kirklin

The bank has announced expansion plans including a new branch in Tipton, Indiana (Tipton County) and a second Noblesville location, reflecting its growth strategy in rapidly developing areas of Central Indiana.

Question 5

What services does The Farmers Bank of Frankfort offer?

Accepted Answer

The Farmers Bank of Frankfort provides comprehensive financial services for personal, business, and agricultural clients:

Personal Banking: Multiple checking account options, savings accounts, individual retirement accounts (IRAs), certificates of deposit, and custodial accounts.

Lending Services: Residential mortgages, home equity lines of credit, mortgage refinancing, automobile loans, personal loans, agricultural loans, construction loans, and commercial real estate financing.

Business Banking: Commercial checking and savings accounts, commercial lending, lines of credit, and business services including merchant services and commercial real estate loans.

Trust & Wealth Management: Trust services, asset management, investment advisory services, and estate planning assistance through experienced trust professionals.

Digital Banking: Online banking platform, mobile banking app with mobile check deposit, bill pay services, fund transfers, card controls (including temporary card locking and travel notifications), customizable account alerts, and biometric authentication (Touch ID/Face ID). The bank also offers integration with digital wallet services including Apple Pay, Google Pay, and Samsung Pay.

Additional Services: Safe deposit boxes, ATM and debit cards, automated telephone banking, wire transfers, notary services, direct deposit, and online appointment scheduling.

Question 6

What makes The Farmers Bank of Frankfort unique?

Accepted Answer

The Farmers Bank of Frankfort distinguishes itself through several key characteristics:

Community Banking Legacy: With nearly 150 years of continuous operation, the bank maintains deep roots in Central Indiana communities. The institution remains locally owned through The Farmers Bancorp, allowing for local decision-making and community reinvestment.

Strong Financial Performance: The bank has demonstrated exceptional growth, expanding assets by over 10% in fiscal year 2025 and growing loans by approximately $78 million while maintaining strong credit quality with minimal loan losses. The bank generated a return on equity (ROE) of 11.84% and return on assets (ROA) of 0.94%.

Commercial Lending Specialization: The bank has developed particular expertise in commercial lending, with significant portfolios in real estate lending, commercial and industrial loans, and agricultural financing.

Recognition as Employer: The Farmers Bank was named one of the 2024 Best Banks to Work For, reflecting its commitment to employee satisfaction and workplace culture.

Mission-Driven Approach: The bank operates under a clear mission to be "relationship driven, community-minded, and customer, employee, and shareholder-focused," with core values including choosing joy, leading with empathy, embracing evolution, building trust, and creating community.

Question 7

What type of financial institution is The Farmers Bank of Frankfort?

Accepted Answer

The Farmers Bank of Frankfort is a State Commercial Bank with a commercial lending specialization.

As a state-chartered commercial bank, The Farmers Bank of Frankfort is regulated by the Indiana Department of Financial Institutions and the Federal Deposit Insurance Corporation (FDIC). The bank is not a member of the Federal Reserve System but maintains full FDIC insurance coverage for depositors.

The bank operates as a traditional community bank, focusing on relationship banking rather than transactional banking. With its commercial lending specialization designation, the bank maintains significant expertise and portfolio concentration in commercial real estate, business lending, and agricultural finance while also serving retail customers with full consumer banking services.

The bank operates under fiduciary powers and actively exercises trust powers, allowing it to provide comprehensive wealth management and trust services to clients.

Question 8

What is The Farmers Bancorp?

Accepted Answer

The Farmers Bancorp (RSSD ID: 1209538) is the bank holding company that owns The Farmers Bank of Frankfort. The holding company structure provides strategic oversight and capital management for the bank while maintaining its local ownership and community banking focus.

The Farmers Bancorp is publicly traded on the OTC Markets under the stock symbol FABP. The holding company's board includes local business leaders and professionals from Central Indiana, ensuring that decision-making remains rooted in the communities the bank serves.

This locally owned holding company structure allows The Farmers Bank of Frankfort to maintain independence from larger regional or national banking organizations while still accessing capital markets for growth and expansion.

The Farmers Bank of Frankfort

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About The Farmers Bank of Frankfort in the United States