1st Trust Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
1st Trust Bank, Inc. is an FDIC-insured commercial bank headquartered in Hazard, KY, established in 2004 (FDIC certificate 57869), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $351.7M, up 8.1% from Q2 2025, the 56th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57869
- Headquarters
- Hazard, KY
- Established
- 2004
- Total assets, Q2 2026
- $351.7M
- Assets vs Q2 2025
- +8.1%
- Tier 1 leverage ratio, Q2 2026
- 9.65%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 042108449
- Latest call report
- Q2 2026, FFIEC 051 · 1st Trust Bank, Inc. call report
- Asset rank in state
- 56th of 120 in Kentucky
1st Trust Bank, Inc. leans heavily on commercial real estate. The Hazard, Kentucky bank had $352 million in assets at June 30, 2026, up 8.1% from a year earlier. It holds commercial real estate loans worth 3.4 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.59% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.15% of loans from 1.02%. Earnings jumped: net income for the quarter was $743,000, 52% above the same quarter a year earlier. Where it has less room is capital: it funds 9.65% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, 1st Trust Bank, Inc. reported a return on assets of 0.88%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 1.50%. The figures come from its call report filed with the FFIEC.
1st Trust Bank, Inc. ranks as the 56th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.7% to $351.7M, loans rose 6.8% and deposits rose 2.4%. 1-4 family residential loans made up 31.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 25.1%. The FDIC Summary of Deposits lists 4 offices for it, in Hazard, KY, Richmond, KY and London, KY; its Hazard 2 offices book 59% of its branch deposits. Judged on its Q2 2026 call report, 1st Trust Bank, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 44 Commerce Dr, Hazard, KY 41701
- County
- Perry
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 13, 2004
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $309.2M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $337.1M
- Average total loans
- $285.2M
- Average interest-bearing deposits
- $255.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 13, 2004
- FDIC Cert
- 57869
- Fed RSSD
- 3309393
- Website
- www.1tbi.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, 1st Trust Bank, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, 1st Trust Bank, Inc.'s total assets ranged from $262.6M (Q3 2023) to $351.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$351.7M total assets against $325.3M; $320.9M total liabilities against $297.9M.
$295.4M net loans and leases against $255.5M; $309.2M total deposits against $297.1M.
$24.0M securities against $27.3M; $21.9M cash and balances due against $32.1M.
$4.9M total interest income against $4.4M; $2.0M total interest expense against $2.0M.
$2.9M net interest income against $2.4M.
$233K total noninterest income against $221K; $2.1M total noninterest expense against $1.9M.
$160K provision for credit losses against $80K.
$743K net income against $490K.
0.88% return on assets against 0.62%; 3.60% net interest margin against 3.09%.
9.65% tier 1 leverage ratio against 9.41%.
Inside the full 1st Trust Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
1st Trust Bank, Inc. rankings
Its closest position to the top of a national ranking is 2,239 of 4,196, for total assets; its furthest is 2,749 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q3 2024) to 0.88% (Q2 2026) and its net interest margin ran from 2.75% (Q3 2024) to 3.60% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.65% | 0.88% | 0.15% | 1.50% | 3.60% |
| Q1 2026 | 9.61% | 0.66% | 0.95% | 8.45% | 3.40% |
| Q4 2025 | 9.54% | 0.86% | 0.06% | 1.30% | 3.34% |
| Q3 2025 | 9.46% | 0.74% | 0.06% | 1.35% | 3.20% |
| Q2 2025 | 9.41% | 0.62% | 1.02% | 9.70% | 3.09% |
| Q1 2025 | 9.56% | 0.43% | 0.15% | 2.05% | 2.92% |
| Q4 2024 | 9.56% | 0.45% | 0.12% | 3.52% | 2.87% |
| Q3 2024 | 9.76% | 0.37% | 0.13% | 3.59% | 2.75% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 1st Trust Bank, Inc. (main office) | Hazard , KY | 41701 | $141.7M |
| Eastern Bypass Branch | Richmond , KY | 40475 | $85.6M |
| Black Gold Branch | Hazard , KY | 41701 | $41.9M |
| London Shopping Center Branch | London , KY | 40741 | $40.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 72 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about 1st Trust Bank, Inc.
What are 1st Trust Bank, Inc.'s total assets?
As of the Q2 2026 filing, 1st Trust Bank, Inc. reported total assets of $351.7 million in its FFIEC call report.
Where is 1st Trust Bank, Inc. headquartered?
It is headquartered in Hazard, KY, United States.
When was 1st Trust Bank, Inc. founded?
It was established in 2004, per the FDIC institution directory.
Is 1st Trust Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57869). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 1st Trust Bank, Inc.?
1st Trust Bank, Inc.'s primary federal regulator is the FDIC.
How many branches does 1st Trust Bank, Inc. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is 1st Trust Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 1.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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