Bank of Lexington, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Bank of Lexington, Inc. is an FDIC-insured commercial bank headquartered in Lexington, KY, established in 2006 (FDIC certificate 58164), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $410.8M, down 5.5% from Q2 2025, the 50th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 16.25% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58164
- Headquarters
- Lexington, KY
- Established
- 2006
- Total assets, Q2 2026
- $410.8M
- Assets vs Q2 2025
- -5.5%
- CET1 ratio, Q2 2026
- 16.25%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 042108517
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Lexington, Inc. call report
- Holding company
- BANCORP OF LEXINGTON INC.
- Asset rank in state
- 50th of 120 in Kentucky
Bank of Lexington, Inc., based in Lexington, Kentucky, reported $411 million in assets at June 30, 2026, down 5.5% from a year earlier. It lost 16.5% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Net income for the quarter slipped 24% from a year earlier, to $1.1 million. Over the same year, loans grew 9.0% and deposits shrank 16.5%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Bank of Lexington, Inc. reported a CET1 capital ratio of 16.25%, a return on assets of 1.06%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.09%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Lexington, Inc. is the 50th largest of the 120 banks headquartered in Kentucky. Between Q1 2026 and Q2 2026, its total assets rose 2.9% to $410.8M, loans rose 2.6% and deposits fell 5.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 49.7% of total loans, followed by non-owner-occupied commercial real estate loans at 25.4%. Its 4 offices in the FDIC Summary of Deposits are in Lexington, KY. On its Q2 2026 call report, Bank of Lexington, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 761 Corporate Dr, Lexington, KY 40503
- County
- Fayette
- Metro Area
- Lexington-Fayette, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 6, 2006
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $322.2M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $401.2M
- Average total loans
- $317.9M
- Average interest-bearing deposits
- $230.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 6, 2006
- FDIC Cert
- 58164
- Fed RSSD
- 3410141
- SEC CIK
- 2127309 → filed by FIRST BRECKINRIDGE BANCSHARES, INC.
- Website
- www.bankoflexington.net →
- Parent Holding Company
- BANCORP OF LEXINGTON INC. (RSSD 3825062)
- Ultimate Parent
- FIRST BRECKINRIDGE BANCSHARES, INC. (RSSD 1119404)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Lexington, Inc.'s total assets ranged from $334.0M (Q1 2024) to $457.0M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$410.8M total assets against $434.5M; $365.8M total liabilities against $394.4M.
$321.3M net loans and leases against $294.6M; $322.2M total deposits against $385.7M.
$11.6M securities against $12.5M; $54.5M cash and balances due against $105.3M.
$5.5M total interest income against $5.6M; $2.0M total interest expense against $1.8M.
$3.5M net interest income against $3.8M.
$281K total noninterest income against $275K; $2.4M total noninterest expense against $2.2M.
$15K provision for credit losses against $14K.
$1.1M net income against $1.4M.
1.06% return on assets against 1.28%; 3.74% net interest margin against 3.69%.
16.25% CET1 capital ratio against 15.64%; 11.50% tier 1 leverage ratio against 9.50%.
Inside the full Bank of Lexington, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Lexington, Inc. rankings
Its closest position to the top of a national ranking is 675 of 2,134, for CET1 ratio; its furthest is 3,251 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q4 2024) to 1.58% (Q3 2025) and its net interest margin ran from 2.96% (Q3 2024) to 4.04% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.25% | 1.06% | 0.01% | 0.09% | 3.74% |
| Q1 2026 | 16.33% | 1.35% | 0.00% | 0.00% | 3.93% |
| Q4 2025 | 16.56% | 1.50% | 0.00% | 0.00% | 4.04% |
| Q3 2025 | 16.16% | 1.58% | 0.00% | 0.00% | 3.97% |
| Q2 2025 | 15.64% | 1.28% | 0.17% | 1.21% | 3.69% |
| Q1 2025 | 14.92% | 1.06% | 0.03% | 0.22% | 3.33% |
| Q4 2024 | 15.85% | 0.54% | 0.03% | 0.25% | 3.00% |
| Q3 2024 | 16.18% | 0.67% | 0.04% | 0.27% | 2.96% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Lexington, Inc. (main office) | Lexington , KY | 40503 | $215.3M |
| Tates Creek Branch | Lexington , KY | 40502 | $52.5M |
| Sir Barton Branch | Lexington , KY | 40509 | $27.5M |
| Nicholasville Rd. Branch | Lexington , KY | 40503 | $26.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- December 4, 1991, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First Security National Bank And Trust Company Of Lexington
- Period: Most recent institution action December 4, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in KY, rank 69 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 283 applications, 204 loans originated, $72.1M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Lexington, Inc.
What are Bank of Lexington, Inc.'s total assets?
As of the Q2 2026 filing, Bank of Lexington, Inc. reported total assets of $410.8 million in its FFIEC call report.
Where is Bank of Lexington, Inc. headquartered?
It is headquartered in Lexington, KY, United States.
When was Bank of Lexington, Inc. founded?
It was established in 2006, per the FDIC institution directory.
Is Bank of Lexington, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Lexington, Inc.?
Bank of Lexington, Inc.'s primary federal regulator is the FDIC.
What is Bank of Lexington, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.25% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Lexington, Inc. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Lexington, Inc.'s Texas Ratio?
Its Texas Ratio is 0.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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