1ST TRUST BANK, INC.

HAZARD, KY | Small | Est. Dec. 13, 2004, midnight | FDIC #57869 | RSSD #3309393 | FDIC
Latest Report: 2025-12-31

1ST TRUST BANK, INC. is asn small FDIC-insured commercial bank headquartered in HAZARD, KY, established in Dec. 13, 2004, midnight. As of 2025-12-31, the bank reported total assets of $332M and total deposits of $302M. Profitability stands at 0.86% ROA and 9.70% ROE, with a net interest margin of 3.53%. The bank's CET1 capital ratio is 8.88%. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.88%. FDIC Certificate #57869.

Assets

$332M

Deposits

$302M

Loans

$263M

Equity

$29M

Profitability

Return on Assets (ROA) 0.86%
Return on Equity (ROE) 9.70%
Net Interest Margin (NIM) 3.53%
Yield on Assets 6.21%
Cost of Funds 2.71%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.88%
NPA Ratio 0.08%
ACL / Loans 0.69%

Capital & Liquidity

CET1 Ratio 8.88%
Tier 1 Capital 8.88%
Total Capital Ratio 9.32%
Leverage Ratio 9.54%
Loan-to-Deposit 87.09%

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