First National Bank of Kentucky: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 30.51 percentage points in Q2 2026, from 193.42% to 223.93%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, First National Bank of Kentucky is 16th of 119 on return on assets, 1.98% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, First National Bank of Kentucky reported 1.98% on return on assets in Q2 2026, 0.73 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.16% |
| Equity capital to assets | 9.06% |
| Tangible equity to tangible assets | 9.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.65% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 5.62% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 223.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.98% |
| Return on equity | 22.03% |
| Net interest margin | 4.33% |
| Efficiency ratio | 57.00% |
| Yield on earning assets | 6.13% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.23% |
| Core deposits to total deposits | 89.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.19% |
| Securities to assets | 11.89% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.24% | 12.24% | 13.50% | 8.88% | 0.74% |
| Q4 2023 | 12.88% | 12.88% | 14.13% | 8.96% | 1.17% |
| Q1 2024 | 12.90% | 12.90% | 14.15% | 8.91% | 0.95% |
| Q2 2024 | 12.50% | 12.50% | 13.75% | 8.75% | 1.07% |
| Q3 2024 | 13.15% | 13.15% | 14.41% | 9.21% | 1.23% |
| Q4 2024 | 12.82% | 12.82% | 14.07% | 8.97% | 1.11% |
| Q1 2025 | 13.36% | 13.36% | 14.62% | 9.09% | 0.99% |
| Q2 2025 | 12.13% | 12.13% | 13.39% | 8.73% | 1.18% |
| Q3 2025 | 12.17% | 12.17% | 13.42% | 9.12% | 1.20% |
| Q4 2025 | 11.89% | 11.89% | 13.15% | 9.22% | 0.87% |
| Q1 2026 | 12.62% | 12.62% | 13.88% | 9.35% | 1.46% |
| Q2 2026 | — | — | — | 9.16% | 1.98% |
First National Bank of Kentucky vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Kentucky, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of Kentucky profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2735) · FFIEC NIC profile (RSSD 907444)