What is FIRST NATIONAL BANK OF KENTUCKY's financial health grade?

FIRST NATIONAL BANK OF KENTUCKY has a TFS Financial Health Grade of C (score: 73.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does FIRST NATIONAL BANK OF KENTUCKY have?

FIRST NATIONAL BANK OF KENTUCKY has 6 branch locations across the United States.

Is FIRST NATIONAL BANK OF KENTUCKY FDIC insured?

Yes, FIRST NATIONAL BANK OF KENTUCKY is FDIC insured (Certificate #2735).

What are the total assets of FIRST NATIONAL BANK OF KENTUCKY?

FIRST NATIONAL BANK OF KENTUCKY has total assets of $242.4M as reported in its most recent FDIC filing.

FIRST NATIONAL BANK OF KENTUCKY

BankCarrollton, Kentucky

www.fnbkentucky.com

Total Assets

$242.4M

Total Deposits

$213.6M

Branches

Established

1881

TFS Health Grade

73.5 / 100

Average financial health

How we grade

FIRST NATIONAL BANK OF KENTUCKY is a bank headquartered in Carrollton, Kentucky, established in 1881. With $242.4M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C (73.5/100).

Capital & Safety

Tier 1 Capital Ratio

9.22%(8%)

Total Capital Ratio

13.15%(10%)

Non-Performing Loan Ratio

0.74%

Profitability

Return on Assets (ROA)

1.06%(1%)

Return on Equity (ROE)

12.05%(10%)

Net Interest Margin

4.18%

Efficiency Ratio

70.95%(60%)

Lending & Liquidity

Total Loans

$201.6M

Loan-to-Deposit Ratio

93.00%

Net Charge-Off Ratio

-0.00%

Growth

Asset Growth (YoY)

+7.67%

Deposit Growth (YoY)

+7.48%

Net Income

$2.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
FIRST NATIONAL BANK OF KENTUCKYHQ	604 Highland Ave	Carrollton	KY	11
FIRST NATIONAL BANK OF KENTUCKY	2639 Highway 227	Carrollton	KY	11
FIRST NATIONAL BANK OF KENTUCKY	7201 Kentucky Highway 329	Crestwood	KY	11
FIRST NATIONAL BANK OF KENTUCKY	8545 Us Highway 42	Florence	KY	11
FIRST NATIONAL BANK OF KENTUCKY	2001 Dixie Hwy	Ft. Wright	KY	11
FIRST NATIONAL BANK OF KENTUCKY	301 W Main St	Warsaw	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.