FNB Bank, Inc. (Mayfield, KY)
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Data as of · sourced from FFIEC call reports. How we update
FNB Bank, Inc. is an FDIC-insured commercial bank headquartered in Mayfield, KY, established in 1875 (FDIC certificate 2759), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $770.0M, up 6.7% from Q2 2025, the 24th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 12.17% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2759
- Headquarters
- Mayfield, KY
- Established
- 1875
- Total assets, Q2 2026
- $770.0M
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 12.17%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 083901087
- Holding company
- JACKSON FINANCIAL CORPORATION
- Asset rank in state
- 24th of 120 in Kentucky
Problem loans are rising at FNB Bank, Inc.. It reported $770 million in assets at June 30, 2026, up 6.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.67% of loans from 0.16% a year earlier. It funds 8.48% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%).
Net income for the quarter rose 22% from a year earlier, to $2.2 million. Unrealized losses on its securities total $10 million, equal to 16% of Tier 1 capital, against 20% a year earlier.
As of June 30, 2026, FNB Bank, Inc. reported a CET1 capital ratio of 12.17%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 5.78%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, FNB Bank, Inc. is the 24th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $770.0M, loans rose 2.4% and deposits rose 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.5% of total loans, ahead of owner-occupied commercial real estate loans at 16.6%. The FDIC Summary of Deposits lists 10 offices for it, in 6 cities in KY; its Mayfield 2 offices book 50% of its branch deposits. On its Q2 2026 call report, FNB Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E Broadway, Mayfield, KY 42066
- County
- Graves
- Metro Area
- Mayfield, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1875
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 121
- Domestic deposits
- $706.4M
- Allowance for credit losses
- $8.9M
- Net charge-offs (YTD)
- $56K
- Average total assets
- $777.8M
- Average total loans
- $511.8M
- Average interest-bearing deposits
- $515.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2759
- Fed RSSD
- 400141
- SEC CIK
- 1498508 → filed by JACKSON FINANCIAL CORPORATION
- Website
- http://www.growwithfnb.com →
- Parent Holding Company
- JACKSON FINANCIAL CORPORATION (RSSD 1119347)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, FNB Bank, Inc.'s total assets ranged from $645.2M (Q3 2023) to $770.0M (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
$770.0M total assets against $721.5M; $710.2M total liabilities against $666.7M.
$508.4M net loans and leases against $481.9M; $706.4M total deposits against $662.2M.
$176.2M securities against $156.6M; $59.1M cash and balances due against $54.7M.
$10.2M total interest income against $9.3M; $3.6M total interest expense against $3.5M.
$6.5M net interest income against $5.8M.
$1.2M total noninterest income against $1.2M; $4.8M total noninterest expense against $4.5M.
$75K provision for credit losses against $100K.
$2.2M net income against $1.8M.
1.14% return on assets against 1.01%; 3.50% net interest margin against 3.38%.
12.17% CET1 capital ratio against 11.86%; 8.48% tier 1 leverage ratio against 8.53%.
Inside the full FNB Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFNB Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,288 of 4,196, for total assets; its furthest is 1,651 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.76% (Q3 2024) to 1.31% (Q1 2026) and its net interest margin ran from 3.15% (Q3 2024) to 3.52% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.17% | 1.14% | 0.68% | 5.78% | 3.50% |
| Q1 2026 | 12.26% | 1.31% | 0.67% | 5.70% | 3.45% |
| Q4 2025 | 11.89% | 0.86% | 0.16% | 1.67% | 3.52% |
| Q3 2025 | 11.91% | 0.93% | 0.16% | 1.69% | 3.46% |
| Q2 2025 | 11.86% | 1.01% | 0.18% | 2.11% | 3.38% |
| Q1 2025 | 11.69% | 1.06% | 0.16% | 2.15% | 3.28% |
| Q4 2024 | 11.12% | 0.81% | 0.13% | 2.07% | 3.24% |
| Q3 2024 | 11.01% | 0.76% | 0.24% | 2.95% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| FNB Bank, Inc. (main office) | Mayfield , KY | 42066 | $229.3M |
| Cadiz Branch | Cadiz , KY | 42211 | $137.8M |
| Mayfield Banking Center Branch | Mayfield , KY | 42066 | $124.1M |
| Murray Ky Branch | Murray , KY | 42071 | $72.2M |
| Paducah Midtown Branch | Paducah , KY | 42001 | $51.1M |
| Lone Oak Branch | Paducah , KY | 42003 | $28.5M |
| Cadiz Branch | Cadiz , KY | 42211 | $21.6M |
| Fnb Bank-Benton Branch | Benton , KY | 42025 | $21.3M |
| Wingo Branch | Wingo , KY | 42088 | $10.9M |
| Murray South | Murray , KY | 42071 | $9.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 1987 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| December 31, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 21, 2002, OCC: Formal Agreement: The First National Bank of Mayfield
- Period: Most recent institution action August 21, 2002. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in KY, rank 35 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $360K approved, $360K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 FNB Bank, Inc.
What are FNB Bank, Inc.'s total assets?
As of the Q2 2026 filing, FNB Bank, Inc. reported total assets of $770.0 million in its FFIEC call report.
Where is FNB Bank, Inc. headquartered?
It is headquartered in Mayfield, KY, United States.
When was FNB Bank, Inc. founded?
It was established in 1875, per the FDIC institution directory.
Is FNB Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2759). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNB Bank, Inc.?
FNB Bank, Inc.'s primary federal regulator is the FDIC.
What is FNB Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.17% in its Q2 2026 call report, above regulatory requirements.
How many branches does FNB Bank, Inc. operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FNB Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 5.78% 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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