FIELD & MAIN BANK

HENDERSON, KY | Medium | Est. Feb. 2, 1934, midnight | FDIC #13838 | RSSD #618740 | FED
Latest Report: 2025-12-31

FIELD & MAIN BANK is amn medium FDIC-insured commercial bank headquartered in HENDERSON, KY, established in Feb. 2, 1934, midnight. As of 2025-12-31, the bank reported total assets of $861M and total deposits of $782M. Profitability stands at 0.53% ROA and 6.06% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 11.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.83% and a Texas Ratio of 6.64%. FDIC Certificate #13838.

Assets

$861M

Deposits

$782M

Loans

$652M

Equity

$74M

Profitability

Return on Assets (ROA) 0.53%
Return on Equity (ROE) 6.06%
Net Interest Margin (NIM) 4.07%
Yield on Assets 6.32%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 0.83%
Net Charge-Off Ratio 0.36%
Texas Ratio 6.64%
NPA Ratio 0.63%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 11.29%
Tier 1 Capital 11.29%
Total Capital Ratio 12.54%
Leverage Ratio 8.80%
Loan-to-Deposit 83.44%

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