First Kentucky Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Kentucky Bank, Inc. of Mayfield, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.25% | 1.35% | -0.10% | 49th below |
| ROAE | 16.88% | 12.05% | +4.83% | 75th top |
| Net Interest Margin | 3.60% | 3.90% | -0.30% | 32nd below |
| Efficiency Ratio | 65.30% | 63.15% | +2.15% | 38th below |
| PPNR / Avg Assets | 1.32% | 1.64% | -0.32% | 35th below |
| Yield on Earning Assets | 5.22% | 5.65% | -0.43% | 32nd below |
| Cost of Funds | 1.72% | 1.85% | -0.13% | 55th above |
| Net Interest Spread | 3.07% | 3.35% | -0.28% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.92% | -0.68% | 61st above |
| NPA / Total Assets | 0.15% | 0.67% | -0.52% | 65th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 32nd below |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 67th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 569.43% | 1645.60% | -1076.17% | 73rd above |
| Texas Ratio | 1.85% | 7.15% | -5.30% | 64th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 152.94% | 1189.83% | -1036.89% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.78% | 20.83% | -7.05% | 37th below |
| Tier 1 Ratio | 13.78% | 20.87% | -7.09% | 37th below |
| Total Capital Ratio | 15.01% | 21.94% | -6.93% | 38th below |
| Leverage Ratio | 9.35% | 12.46% | -3.11% | 18th bottom |
| Equity / Assets | 7.72% | 11.67% | -3.95% | 11th bottom |
| TCE / Tangible Assets | 7.61% | 11.40% | -3.79% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.14% | 78.65% | -7.51% | 69th above |
| Core Deposit Ratio | 86.14% | 87.09% | -0.95% | 35th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.76% | 5.11% | -0.35% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.32% | 6.48% | -5.16% | 28th below |
| Loan Growth (Y/Y) | 1.29% | 7.64% | -6.35% | 28th below |
| Deposit Growth (Y/Y) | 0.04% | 6.03% | -5.99% | 23rd bottom |
See First Kentucky Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Kentucky Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Kentucky Bank, Inc. profile, how to read a UBPR, or how this data updates.