BanksFNB BANK, INC.

FNB BANK, INC.

MAYFIELD, KYMediumEst. Jan. 1, 1875, midnightFDIC #2759RSSD #400141FDIC
Latest · 2025-12-31

FNB BANK, INC. is an 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%. CET1 capital ratio: 11.89%, well above regulatory minimums. NPL ratio: 0.06% · Texas Ratio: 1.05%. Operates 10 domestic branches.

Assets
$750M
Deposits
$687M
Loans
$512M
Equity
$60M

Profitability

Return on Assets (ROA)0.87%
Return on Equity (ROE)10.84%
Net Interest Margin3.69%
Yield on Assets5.82%
Cost of Funds2.14%

Asset Quality

NPL Ratio0.06%
Net Charge-Off Ratio0.02%
Texas Ratio1.05%
NPA Ratio0.10%
ACL / Loans1.72%

Capital & Liquidity

CET1 Ratio11.89%
Tier 1 Capital11.89%
Total Capital Ratio13.15%
Leverage Ratio8.60%
Loan-to-Deposit74.43%

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