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The First National Bank Of Manchester
Manchester, KY · FDIC Certificate #2708 · Chartered 02/0
Total assets
$230.13M
Total deposits
$206.41M
Total equity
$22.62M
Net loans
$155.21M
Branches (offices)
6
Net income (YTD)
$1.14M
Rank: #2,810 of 4,213 U.S. banks by assets · #75 of 120 in Kentucky. Assets changed 0.4% and deposits -0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 10.36% |
| Net interest margin (YTD) | 4.64% |
| Equity to assets | 9.83% |
| Tier 1 leverage ratio | 9.86% |
| Uninsured deposits (share of deposits) | 36.7% |
| Noncurrent loans (share of loans) | 1.62% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 75.2% |
| Real estate loans (share of loans) | 88.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $137.78M | 88.8% | |
| Commercial & industrial | $10.98M | 7.1% | |
| Consumer / individual | $6.88M | 4.4% | |
| Construction & development | $13.28M | 8.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $177.29M | $159.30M | $421.00K | $17.57M |
| Jun 2023 | $202.44M | $183.09M | $985.00K | $18.02M |
| Jun 2024 | $216.12M | $194.99M | $1.12M | $19.43M |
| Jun 2025 | $229.13M | $207.21M | $986.00K | $20.67M |
| Jun 2026 | $230.13M | $206.41M | $1.14M | $22.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $206.41M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $206.41M.
Similar-sized banks
Metropolitan Bank ($230.24M) · Bank Of Lincoln County ($230.06M)
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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