First National Bank of Kentucky: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Kentucky of Carrollton, 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 | 1.98% | 1.35% | +0.63% | 85th top |
| ROAE | 22.03% | 12.05% | +9.98% | 92nd top |
| Net Interest Margin | 4.33% | 3.90% | +0.43% | 72nd above |
| Efficiency Ratio | 57.00% | 63.15% | -6.15% | 63rd above |
| PPNR / Avg Assets | 2.02% | 1.64% | +0.38% | 73rd above |
| Yield on Earning Assets | 6.13% | 5.65% | +0.48% | 74th above |
| Cost of Funds | 2.11% | 1.85% | +0.26% | 31st below |
| Net Interest Spread | 3.64% | 3.35% | +0.29% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.65% | 0.92% | -0.27% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.57% | 0.67% | -0.10% | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 36th below |
| ACL / Total Loans | 1.45% | 1.28% | +0.17% | 75th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 223.93% | 1645.74% | -1421.81% | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.62% | 7.15% | -1.53% | 37th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 885.71% | 1189.39% | -303.68% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.16% | 12.46% | -3.30% | 15th bottom |
| Equity / Assets | 9.06% | 11.67% | -2.61% | 28th below |
| TCE / Tangible Assets | 9.06% | 11.40% | -2.34% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.23% | 78.64% | +11.59% | 28th below |
| Core Deposit Ratio | 89.88% | 87.09% | +2.79% | 54th above |
| Wholesale Funding Ratio | 2.15% | 5.11% | -2.96% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.62% | 6.47% | +4.15% | 84th top |
| Loan Growth (Y/Y) | 12.99% | 7.64% | +5.35% | 82nd top |
| Deposit Growth (Y/Y) | 10.34% | 6.02% | +4.32% | 84th top |
See First National Bank of Kentucky's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Kentucky, 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 National Bank of Kentucky profile, how to read a UBPR, or how this data updates.