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Fnb Bank, Inc.
Mayfield, KY · FDIC Certificate #2759 · Chartered 01/0
Total assets
$769.97M
Total deposits
$706.37M
Total equity
$59.81M
Net loans
$508.38M
Branches (offices)
10
Net income (YTD)
$4.70M
Rank: #1,296 of 4,213 U.S. banks by assets · #24 of 120 in Kentucky. Assets changed 6.7% and deposits 6.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 15.74% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 7.77% |
| Tier 1 leverage ratio | 8.48% |
| Uninsured deposits (share of deposits) | 17.2% |
| Noncurrent loans (share of loans) | 0.68% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 72.0% |
| Real estate loans (share of loans) | 75.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $381.99M | 75.1% | |
| Commercial & industrial | $64.22M | 12.6% | |
| Consumer / individual | $47.87M | 9.4% | |
| Construction & development | $29.16M | 5.7% | |
| Agricultural | $13.30M | 2.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $694.76M | $640.72M | $3.65M | $49.26M |
| Jun 2023 | $670.12M | $618.89M | $3.84M | $46.25M |
| Jun 2024 | $669.75M | $607.42M | $2.97M | $46.87M |
| Jun 2025 | $721.50M | $662.22M | $3.66M | $54.81M |
| Jun 2026 | $769.97M | $706.37M | $4.70M | $59.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $706.37M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $706.37M.
Similar-sized banks
Schertz Bank & Trust ($770.13M) · The North Salem State Bank ($769.63M)
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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