First National Bank of Kentucky
BankRegReports is independent of First National Bank of Kentucky and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First National Bank of Kentucky is an FDIC-insured commercial bank headquartered in Carrollton, KY, established in 1881 (FDIC certificate 2735), and it is supervised by the OCC. At Q2 2026 it reported total assets of $258.0M, up 10.6% from Q2 2025, the 68th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.16% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2735
- Headquarters
- Carrollton, KY
- Established
- 1881
- Total assets, Q2 2026
- $258.0M
- Assets vs Q2 2025
- +10.6%
- Tier 1 leverage ratio, Q2 2026
- 9.16%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 083902196
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Kentucky call report
- Holding company
- PORT WILLIAM BANCSHARES, INC.
- Asset rank in state
- 68th of 120 in Kentucky
Problem loans are rising at First National Bank of Kentucky. The Carrollton, Kentucky bank had $258 million in assets at June 30, 2026, up 10.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.60% of loans from 0.20% a year earlier. It returns 22.0% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it funds 9.16% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $1.3 million, 88% above the same quarter a year earlier.
As of June 30, 2026, First National Bank of Kentucky reported a return on assets of 1.98%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 5.27%. The figures come from its call report filed with the FFIEC.
First National Bank of Kentucky ranks as the 68th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.4% to $258.0M, loans rose 0.9% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 46.8% of total loans, ahead of owner-occupied commercial real estate loans at 16.4%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in KY; its Carrollton 2 offices book 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank of Kentucky meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 604 Highland Ave, Carrollton, KY 41008
- County
- Carroll
- 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1881
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $227.6M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $257.6M
- Average total loans
- $205.0M
- Average interest-bearing deposits
- $156.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2735
- Fed RSSD
- 907444
- Website
- www.fnbkentucky.com →
- Parent Holding Company
- PORT WILLIAM BANCSHARES, INC. (RSSD 2744849)
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. 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, First National Bank of Kentucky reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank of Kentucky's total assets ran between $210.2M (Q3 2023) and $258.0M (Q2 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
$258.0M total assets against $233.3M; $234.7M total liabilities against $213.5M.
$202.4M net loans and leases against $179.3M; $227.6M total deposits against $206.3M.
$30.7M securities against $25.9M; $18.0M cash and balances due against $21.5M.
$3.9M total interest income against $3.4M; $1.1M total interest expense against $1.0M.
$2.7M net interest income against $2.4M.
$309K total noninterest income against $302K; $1.7M total noninterest expense against $1.9M.
$29K provision for credit losses against $80K.
$1.3M net income against $679K.
1.98% return on assets against 1.18%; 4.33% net interest margin against 4.24%.
9.16% tier 1 leverage ratio against 8.73%.
Inside the full First National Bank of Kentucky terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Kentucky rankings
Its closest position to the top of a national ranking is 511 of 3,611, for ROA; its furthest is 2,658 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q4 2025) to 1.98% (Q2 2026) and its net interest margin ran from 3.83% (Q4 2024) to 4.33% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.16% | 1.98% | 0.60% | 5.27% | 4.33% |
| Q1 2026 | 9.35% | 1.46% | 0.71% | 5.57% | 4.21% |
| Q4 2025 | 9.22% | 0.87% | 0.74% | 5.95% | 4.18% |
| Q3 2025 | 9.12% | 1.20% | 0.78% | 6.23% | 4.06% |
| Q2 2025 | 8.73% | 1.18% | 0.20% | 1.64% | 4.24% |
| Q1 2025 | 9.09% | 0.99% | 0.32% | 2.44% | 3.95% |
| Q4 2024 | 8.97% | 1.11% | 0.20% | 1.62% | 3.83% |
| Q3 2024 | 9.21% | 1.23% | 0.27% | 2.13% | 3.88% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 National Bank of Kentucky (main office) | Carrollton , KY | 41008 | $145.5M |
| Ft. Wright Branch | Ft. Wright , KY | 41011 | $27.5M |
| Crestwood Branch | Crestwood , KY | 40014 | $15.0M |
| Florence Branch | Florence , KY | 41042 | $13.8M |
| Warsaw Branch | Warsaw , KY | 41095 | $13.4M |
| Highway 227 Branch | Carrollton , KY | 41008 | $12.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 85 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 101 applications, 86 loans originated, $21.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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
Add this badge to your website
Free to use. It shows First National Bank of Kentucky’s latest filed figures and updates each quarter.
Similar banks
Compare First National Bank of Kentucky with peers
Frequently asked about First National Bank of Kentucky
What are First National Bank of Kentucky's total assets?
As of the Q2 2026 filing, First National Bank of Kentucky reported total assets of $258.0 million in its FFIEC call report.
Where is First National Bank of Kentucky headquartered?
It is headquartered in Carrollton, KY, United States.
When was First National Bank of Kentucky founded?
It was established in 1881, per the FDIC institution directory.
Is First National Bank of Kentucky FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Kentucky?
First National Bank of Kentucky's primary federal regulator is the OCC.
How many branches does First National Bank of Kentucky operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Kentucky's Texas Ratio?
Its Texas Ratio is 5.27% 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 National Bank of Kentucky.
Get an email when First National Bank of Kentucky files its next call report, and benchmark it against any peer you choose.
Unlock First National Bank of Kentucky, freeFree account