FNB Bank, Inc.: 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 106.58 percentage points in Q2 2026, from 169.42% to 276.00%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, FNB Bank, Inc. is 73rd of 119 on return on assets, 1.14% as of Q2 2026, below the middle of the field. FNB Bank, Inc. reported 1.14% on return on assets for Q2 2026, 0.11 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.17% |
| Tier 1 risk-based capital ratio | 12.17% |
| Total risk-based capital ratio | 13.43% |
| Tier 1 leverage ratio | 8.48% |
| Equity capital to assets | 7.77% |
| Tangible equity to tangible assets | 7.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.62% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 5.91% |
| Allowance for credit losses to loans | 1.72% |
| Reserve coverage of non-performing loans | 276.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 14.88% |
| Net interest margin | 3.50% |
| Efficiency ratio | 57.81% |
| Yield on earning assets | 5.42% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.23% |
| Core deposits to total deposits | 94.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.74% |
| Securities to assets | 22.89% |
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 | 11.01% | 11.01% | 12.26% | 8.39% | 1.07% |
| Q4 2023 | 10.41% | 10.41% | 11.67% | 8.22% | 0.86% |
| Q1 2024 | 10.52% | 10.52% | 11.78% | 8.24% | 0.99% |
| Q2 2024 | 10.62% | 10.62% | 11.88% | 8.23% | 0.78% |
| Q3 2024 | 11.01% | 11.01% | 12.27% | 8.22% | 0.76% |
| Q4 2024 | 11.12% | 11.12% | 12.38% | 8.31% | 0.81% |
| Q1 2025 | 11.69% | 11.69% | 12.95% | 8.54% | 1.06% |
| Q2 2025 | 11.86% | 11.86% | 13.12% | 8.53% | 1.01% |
| Q3 2025 | 11.91% | 11.91% | 13.17% | 8.67% | 0.93% |
| Q4 2025 | 11.89% | 11.89% | 13.15% | 8.60% | 0.86% |
| Q1 2026 | 12.26% | 12.26% | 13.52% | 8.61% | 1.31% |
| Q2 2026 | 12.17% | 12.17% | 13.43% | 8.48% | 1.14% |
FNB Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Bank, Inc., 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 FNB Bank, Inc. profile, peer group comparison, or how this data updates.
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