FNB BANK, INC.

MAYFIELD, KY | Medium | Est. Jan. 1, 1875, midnight | FDIC #2759 | RSSD #400141 | FDIC
Latest Report: 2025-12-31

FNB BANK, INC. is amn medium FDIC-insured commercial bank headquartered in MAYFIELD, KY, established in Jan. 1, 1875, midnight. As of 2025-12-31, the bank reported total assets of $750M and total deposits of $687M. Profitability stands at 0.87% ROA and 10.84% ROE, with a net interest margin of 3.69%. The bank's CET1 capital ratio is 11.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 1.05%. FDIC Certificate #2759.

Assets

$750M

Deposits

$687M

Loans

$512M

Equity

$60M

Profitability

Return on Assets (ROA) 0.87%
Return on Equity (ROE) 10.84%
Net Interest Margin (NIM) 3.69%
Yield on Assets 5.82%
Cost of Funds 2.14%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.05%
NPA Ratio 0.10%
ACL / Loans 1.72%

Capital & Liquidity

CET1 Ratio 11.89%
Tier 1 Capital 11.89%
Total Capital Ratio 13.15%
Leverage Ratio 8.60%
Loan-to-Deposit 74.43%

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