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First National Bank Of Kentucky
Carrollton, KY · FDIC Certificate #2735 · Chartered 01/0
Total assets
$258.05M
Total deposits
$227.58M
Total equity
$23.38M
Net loans
$202.37M
Branches (offices)
6
Net income (YTD)
$2.18M
Rank: #2,669 of 4,213 U.S. banks by assets · #68 of 120 in Kentucky. Assets changed 10.6% and deposits 10.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.72% |
| Return on equity | 19.12% |
| Net interest margin (YTD) | 4.36% |
| Equity to assets | 9.06% |
| Tier 1 leverage ratio | 9.16% |
| Uninsured deposits (share of deposits) | 17.9% |
| Noncurrent loans (share of loans) | 0.60% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 88.9% |
| Real estate loans (share of loans) | 93.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $188.42M | 93.1% | |
| Commercial & industrial | $13.15M | 6.5% | |
| Consumer / individual | $2.60M | 1.3% | |
| Construction & development | $14.27M | 7.1% | |
| Agricultural | $239.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $177.97M | $159.06M | $730.00K | $14.77M |
| Jun 2023 | $197.80M | $172.88M | $461.00K | $16.32M |
| Jun 2024 | $219.25M | $191.35M | $1.08M | $18.06M |
| Jun 2025 | $233.27M | $206.26M | $1.25M | $19.82M |
| Jun 2026 | $258.05M | $227.58M | $2.18M | $23.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $227.58M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $227.58M.
Similar-sized banks
Liberty Bank ($258.56M) · The Farmers State Bank Of Westmoreland ($257.67M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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