The First National Bank of Brooksville
The First National Bank of Brooksville is an FDIC-insured commercial bank headquartered in Brooksville, KY, supervised by the OCC, with $73.7M in total assets at Q2 2026, up 0.3% from Q2 2025, the 108th largest of 120 banks headquartered in Kentucky. It was established in 1907 and holds FDIC certificate 2682. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as FNB of Brooksville
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2682
- Headquarters
- Brooksville, KY
- Established
- 1907
- Total assets, Q2 2026
- $73.7M
- Assets vs Q2 2025
- +0.3%
- Tier 1 leverage ratio, Q2 2026
- 11.53%
- Domestic offices
- 2 · The First National Bank of Brooksville branches FDIC institution directory, current count
- Routing number
- 042103826
- Safety and soundness
- Is The First National Bank of Brooksville safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Brooksville Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- FNB BANCSHARES, INC.
- Asset rank in state
- 108th of 120 in Kentucky
Problem loans are rising at The First National Bank of Brooksville. It reported $74 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.06% of loans from 0.34% a year earlier. It pays an average of 0.98% on its deposits and borrowings, lower than about three-quarters of the 533 banks with less than $100 million in assets (median 1.53%). On the other hand, it earns about $0.37 a year on every $100 of assets, about a third the median of $1.04 for banks its size.
Earnings fell sharply: quarterly net income of $69,000 was 62% below a year earlier.
As of June 30, 2026, The First National Bank of Brooksville reported a return on assets of 0.37%, a nonperforming-loan ratio of 1.15% and a Texas ratio of 5.14%. The figures come from its call report filed with the FFIEC.
The First National Bank of Brooksville ranks as the 108th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $73.7M, loans rose 2.0% and deposits fell 1.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 66.2% of total loans, followed by farmland and other real estate loans at 16.8%. The FDIC Summary of Deposits lists 2 offices for it, in Brooksville, KY. On its Q2 2026 call report, The First National Bank of Brooksville meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 105 Locust St, Brooksville, KY 41004
- County
- Bracken
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 7, 1907
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $65.2M
- Allowance for credit losses
- $442K
- Net charge-offs (YTD)
- $145K
- Average total assets
- $74.1M
- Average total loans
- $41.3M
- Average interest-bearing deposits
- $46.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2682
- Fed RSSD
- 798512
- Website
- www.fnbfirst.com →
- Parent Holding Company
- FNB BANCSHARES, INC. (RSSD 2262503)
Profitability
Q2 annualizedBalance 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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Brooksville reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of Brooksville's total assets ranged from $71.1M (Q3 2025) to $76.0M (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
$73.7M total assets against $73.4M; $65.5M total liabilities against $65.7M.
$41.3M net loans and leases against $40.5M; $65.2M total deposits against $62.4M.
$25.6M securities against $26.8M; $4.8M cash and balances due against $4.8M.
$919K total interest income against $882K; $161K total interest expense against $179K.
$758K net interest income against $703K.
$77K total noninterest income against $83K; $620K total noninterest expense against $596K.
$146K provision for credit losses against $9K.
$69K net income against $181K.
0.37% return on assets against 0.96%; 4.32% net interest margin against 3.85%.
11.53% tier 1 leverage ratio against 10.90%.
Inside the full The First National Bank of Brooksville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Brooksville rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.37% (Q2 2026) to 1.35% (Q3 2025) and its net interest margin ran from 3.39% (Q3 2024) to 4.32% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.53% | 0.37% | 1.15% | 5.14% | 4.32% |
| Q1 2026 | 11.39% | 1.04% | 0.53% | 2.06% | 4.24% |
| Q4 2025 | 11.42% | 0.90% | 0.36% | 1.21% | 4.27% |
| Q3 2025 | 11.75% | 1.35% | 0.29% | 0.86% | 4.22% |
| Q2 2025 | 10.90% | 0.96% | 0.45% | 1.71% | 3.85% |
| Q1 2025 | 10.51% | 0.69% | 0.73% | 3.24% | 3.53% |
| Q4 2024 | 10.44% | 0.66% | 0.69% | 3.08% | 3.50% |
| Q3 2024 | 10.59% | 0.59% | 1.02% | 4.59% | 3.39% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| The First National Bank of Brooksville | Brooksville , KY | 41004 | $65.2M |
| Drive-Thru Branch | Brooksville , KY | 41004 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- July 15, 1992, OCC: Formal Agreement: First National Bank Of Brooksville
- Period: Most recent institution action July 15, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KY, rank 132 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 102 applications, 67 loans originated, $6.4M originated, across 1 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 The First National Bank of Brooksville
What are The First National Bank of Brooksville's total assets?
As of the Q2 2026 filing, The First National Bank of Brooksville reported total assets of $73.7 million in its FFIEC call report.
Where is The First National Bank of Brooksville headquartered?
It is headquartered in Brooksville, KY, United States.
When was The First National Bank of Brooksville founded?
It was established in 1907, per the FDIC institution directory.
Is The First National Bank of Brooksville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2682). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Brooksville?
The First National Bank of Brooksville's primary federal regulator is the OCC.
How many branches does The First National Bank of Brooksville operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Brooksville's Texas Ratio?
Its Texas Ratio is 5.14% 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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