The First National Bank of Manchester: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 40.17 percentage points lower than in Q1 2026, at 203.26%. The First National Bank of Manchester ranks 88th of 119 Kentucky banks on return on assets, in the lower half at 0.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The First National Bank of Manchester sits 0.27 points lower, at 0.98% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.52% |
| Tier 1 risk-based capital ratio | 14.52% |
| Total risk-based capital ratio | 15.77% |
| Tier 1 leverage ratio | 9.86% |
| Equity capital to assets | 9.83% |
| Tangible equity to tangible assets | 9.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.68% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.39% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 203.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 10.30% |
| Net interest margin | 4.62% |
| Efficiency ratio | 75.34% |
| Yield on earning assets | 5.96% |
| Cost of funds | 1.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.25% |
| Core deposits to total deposits | 68.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.69% |
| Securities to assets | 19.29% |
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 | — | — | — | 9.23% | 0.71% |
| Q4 2023 | — | — | — | 8.55% | -0.24% |
| Q1 2024 | 13.29% | 13.29% | 14.54% | 8.46% | 0.94% |
| Q2 2024 | 13.46% | 13.46% | 14.72% | 8.96% | 1.02% |
| Q3 2024 | 13.32% | 13.32% | 14.57% | 8.98% | 0.69% |
| Q4 2024 | 13.19% | 13.19% | 14.44% | 8.38% | 0.44% |
| Q1 2025 | 14.10% | 14.10% | 15.35% | 8.49% | 0.98% |
| Q2 2025 | 13.92% | 13.92% | 15.17% | 9.11% | 0.63% |
| Q3 2025 | 13.90% | 13.90% | 15.16% | 9.50% | 0.68% |
| Q4 2025 | 13.99% | 13.99% | 15.24% | 9.40% | 0.03% |
| Q1 2026 | 14.42% | 14.42% | 15.68% | 9.69% | 0.98% |
| Q2 2026 | 14.52% | 14.52% | 15.77% | 9.86% | 0.98% |
The First National Bank of Manchester vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Manchester, 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 The First National Bank of Manchester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2708) · FFIEC NIC profile (RSSD 719610)