Bank of Maysville
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Data as of · sourced from FFIEC call reports. How we update
Bank of Maysville is an FDIC-insured commercial bank headquartered in Maysville, KY, established in 1835 (FDIC certificate 9315), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $164.0M, down 2.0% from Q2 2025, the 90th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 30.26% 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
- 9315
- Headquarters
- Maysville, KY
- Established
- 1835
- Total assets, Q2 2026
- $164.0M
- Assets vs Q2 2025
- -2.0%
- CET1 ratio, Q2 2026
- 30.26%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 042101006
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Maysville call report
- Holding company
- FIRST BANK OF KENTUCKY CORPORATION
- Asset rank in state
- 90th of 120 in Kentucky
Bank of Maysville, based in Maysville, Kentucky, reported $164 million in assets at June 30, 2026, down 2.0% from a year earlier. It pays an average of 0.60% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 30.26% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Net income for the quarter rose 21% from a year earlier, to $624,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.3 million equal 8% of Tier 1 capital, down from 14% a year earlier.
As of June 30, 2026, Bank of Maysville reported a CET1 capital ratio of 30.26%, a return on assets of 1.50%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.39%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Bank of Maysville is the 90th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $164.0M, loans fell 1.6% and deposits fell 0.5%. 1-4 family residential loans made up 51.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 17.0%. Its 3 offices in the FDIC Summary of Deposits are in Maysville, KY. On its Q2 2026 call report, Bank of Maysville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 20 W 2nd St, Maysville, KY 41056
- County
- Mason
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 26, 1835
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $133.7M
- Allowance for credit losses
- $737K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $166.7M
- Average total loans
- $87.5M
- Average interest-bearing deposits
- $109.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9315
- Fed RSSD
- 782016
- Website
- www.bankofmaysville.com →
- Parent Holding Company
- FIRST BANK OF KENTUCKY CORPORATION (RSSD 1071575)
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 Maysville's total assets ranged from $155.9M (Q3 2024) to $167.4M (Q2 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
$164.0M total assets against $167.4M; $135.4M total liabilities against $141.2M.
$86.3M net loans and leases against $87.3M; $133.7M total deposits against $138.0M.
$60.7M securities against $60.3M; $11.4M cash and balances due against $14.1M.
$1.7M total interest income against $1.6M; $202K total interest expense against $218K.
$1.5M net interest income against $1.4M.
$174K total noninterest income against $175K; $920K total noninterest expense against $890K.
$10K provision for credit losses against $10K.
$624K net income against $515K.
1.50% return on assets against 1.23%; 3.96% net interest margin against 3.54%.
30.26% CET1 capital ratio against 28.01%; 16.94% tier 1 leverage ratio against 15.94%.
Inside the full Bank of Maysville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 77 of 2,134, for CET1 ratio; its furthest is 3,027 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.05% (Q1 2025) to 1.50% (Q2 2026) and its net interest margin ran from 3.32% (Q3 2024) to 3.96% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 30.26% | 1.50% | 0.12% | 0.39% | 3.96% |
| Q1 2026 | 29.37% | 1.35% | 0.16% | 0.54% | 3.85% |
| Q4 2025 | 28.77% | 1.34% | 0.16% | 0.54% | 3.84% |
| Q3 2025 | 28.77% | 1.27% | 0.08% | 0.26% | 3.78% |
| Q2 2025 | 28.01% | 1.23% | 0.08% | 0.27% | 3.54% |
| Q1 2025 | 28.55% | 1.05% | 0.00% | 0.00% | 3.35% |
| Q4 2024 | 28.40% | 1.20% | 0.00% | 0.00% | 3.35% |
| Q3 2024 | 29.04% | 1.10% | 0.00% | 0.00% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Maysville (main office) | Maysville , KY | 41056 | $99.7M |
| Aa Highway Branch | Maysville , KY | 41056 | $34.0M |
| Maysville Branch | Maysville , KY | 41056 | $71K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 116 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Maysville
What are Bank of Maysville's total assets?
As of the Q2 2026 filing, Bank of Maysville reported total assets of $164.0 million in its FFIEC call report.
Where is Bank of Maysville headquartered?
It is headquartered in Maysville, KY, United States.
When was Bank of Maysville founded?
It was established in 1835, per the FDIC institution directory.
Is Bank of Maysville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9315). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Maysville?
Bank of Maysville's primary federal regulator is the FDIC.
What is Bank of Maysville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 30.26% 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 Maysville operate?
It operates 3 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 Maysville's Texas Ratio?
Its Texas Ratio is 0.39% 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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