First Kentucky Bank, Inc.
BankRegReports is independent of First Kentucky Bank, Inc. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Kentucky Bank, Inc. is an FDIC-insured commercial bank headquartered in Mayfield, KY, established in 1899 (FDIC certificate 21247), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $585.6M, up 1.3% from Q2 2025, the 31st largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 13.78% 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
- 21247
- Headquarters
- Mayfield, KY
- Established
- 1899
- Total assets, Q2 2026
- $585.6M
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 13.78%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 083901113
- Holding company
- EXCHANGE BANCSHARES, INC.
- Asset rank in state
- 31st of 120 in Kentucky
First Kentucky Bank, Inc. operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $586 million at June 30, 2026, up 1.3% from a year earlier; it is based in Mayfield, Kentucky. It funds 9.35% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also grew deposits 0.0% over the year, a small fraction of the median of 4.0% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $17 million equal 30% of Tier 1 capital, down from 40% a year earlier.
As of June 30, 2026, First Kentucky Bank, Inc. reported a CET1 capital ratio of 13.78%, a return on assets of 1.25%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.85%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, First Kentucky Bank, Inc. is the 31st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.6% to $585.6M, loans rose 1.4% and deposits fell 2.2%. 1-4 family residential loans made up 34.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.2%. Its 11 offices in the FDIC Summary of Deposits are in 8 cities in KY; its Mayfield 3 offices book 42% of its branch deposits. On its Q2 2026 call report, First Kentucky Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 223 S 6th St, Mayfield, KY 42066
- County
- Graves
- Metro Area
- Mayfield, 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1899
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 114
- Domestic deposits
- $508.2M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $68K
- Average total assets
- $603.0M
- Average total loans
- $358.2M
- Average interest-bearing deposits
- $405.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 24, 1973
- FDIC Cert
- 21247
- Fed RSSD
- 263243
- Website
- www.firstkentucky.com →
- Parent Holding Company
- EXCHANGE BANCSHARES, INC. (RSSD 1096176)
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
Over the 12 quarters to Q2 2026, First Kentucky Bank, Inc.'s total assets ran between $552.7M (Q3 2023) and $594.9M (Q1 2026), 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
$585.6M total assets against $577.9M; $540.3M total liabilities against $537.1M.
$356.6M net loans and leases against $352.2M; $508.2M total deposits against $508.0M.
$189.2M securities against $183.2M; $12.2M cash and balances due against $18.9M.
$7.3M total interest income against $7.1M; $2.3M total interest expense against $2.5M.
$5.0M net interest income against $4.6M.
$1.1M total noninterest income against $1.0M; $4.1M total noninterest expense against $3.8M.
$104K provision for credit losses against $0.
$1.9M net income against $1.8M.
1.25% return on assets against 1.19%; 3.60% net interest margin against 3.24%.
13.78% CET1 capital ratio against 13.09%; 9.35% tier 1 leverage ratio against 9.00%.
Inside the full First Kentucky Bank, 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Kentucky Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,577 of 4,196, for total assets; its furthest is 2,380 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.85% (Q3 2024) to 1.25% (Q2 2026) and its net interest margin ran from 2.82% (Q3 2024) to 3.60% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.78% | 1.25% | 0.25% | 1.85% | 3.60% |
| Q1 2026 | 13.57% | 1.21% | 0.23% | 1.67% | 3.37% |
| Q4 2025 | 13.34% | 1.05% | 0.19% | 1.43% | 3.38% |
| Q3 2025 | 12.88% | 1.13% | 0.25% | 1.93% | 3.33% |
| Q2 2025 | 13.09% | 1.19% | 0.21% | 1.68% | 3.24% |
| Q1 2025 | 13.18% | 0.95% | 0.26% | 2.09% | 3.05% |
| Q4 2024 | 13.31% | 1.03% | 0.18% | 1.54% | 2.93% |
| Q3 2024 | 13.02% | 0.85% | 0.09% | 0.70% | 2.82% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| First Kentucky Bank, Inc. (main office) | Mayfield , KY | 42066 | $165.9M |
| Central City Branch | Central City , KY | 42330 | $58.8M |
| Ohio County Branch | Beaver Dam , KY | 42320 | $57.7M |
| Greenville Branch | Greenville , KY | 42345 | $53.9M |
| South Office Branch | Mayfield , KY | 42066 | $50.1M |
| Benton Branch | Benton , KY | 42025 | $48.9M |
| Draffenville Branch | Benton , KY | 42025 | $25.2M |
| Bardwell Branch | Bardwell , KY | 42023 | $17.2M |
| Cunningham Branch | Cunningham , KY | 42035 | $16.6M |
| Grand Rivers Branch | Grand Rivers , KY | 42045 | $13.8M |
| Drive-Up Facility | Mayfield , KY | 42066 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 21, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2006 | Structure Change | Acquired Bardwell Deposit Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KY, rank 48 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 173 applications, 130 loans originated, $21.7M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $71K approved, $71K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows First Kentucky Bank, Inc.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about First Kentucky Bank, Inc.
What are First Kentucky Bank, Inc.'s total assets?
As of the Q2 2026 filing, First Kentucky Bank, Inc. reported total assets of $585.6 million in its FFIEC call report.
Where is First Kentucky Bank, Inc. headquartered?
It is headquartered in Mayfield, KY, United States.
When was First Kentucky Bank, Inc. founded?
It was established in 1899, per the FDIC institution directory.
Is First Kentucky Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21247). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Kentucky Bank, Inc.?
First Kentucky Bank, Inc.'s primary federal regulator is the FDIC.
What is First Kentucky Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.78% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Kentucky Bank, Inc. operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Kentucky Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 1.85% 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.
Go deeper on First Kentucky Bank, Inc.
Get an email when First Kentucky Bank, Inc. files its next call report, and benchmark it against any peer you choose.
Unlock First Kentucky Bank, Inc., freeFree account