FIRST NATIONAL BANK OF MANCHESTER, THE

MANCHESTER, KY | Small | Est. Feb. 5, 1905, midnight | FDIC #2708 | RSSD #719610 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF MANCHESTER, THE is asn small FDIC-insured commercial bank headquartered in MANCHESTER, KY, established in Feb. 5, 1905, midnight. As of 2025-12-31, the bank reported total assets of $229M and total deposits of $206M. Profitability stands at 0.03% ROA and 0.32% ROE, with a net interest margin of 4.54%. The bank's CET1 capital ratio is 13.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.41% and a Texas Ratio of 2.91%. FDIC Certificate #2708.

Assets

$229M

Deposits

$206M

Loans

$156M

Equity

$22M

Profitability

Return on Assets (ROA) 0.03%
Return on Equity (ROE) 0.32%
Net Interest Margin (NIM) 4.54%
Yield on Assets 6.08%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 0.41%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.91%
NPA Ratio 0.30%
ACL / Loans 1.41%

Capital & Liquidity

CET1 Ratio 13.99%
Tier 1 Capital 13.99%
Total Capital Ratio 15.24%
Leverage Ratio 9.40%
Loan-to-Deposit 75.80%

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