What is 1st Trust Bank, Inc.'s financial health grade?

1st Trust Bank, Inc. has a TFS Financial Health Grade of D (score: 66.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does 1st Trust Bank, Inc. have?

1st Trust Bank, Inc. has 4 branch locations across the United States.

Is 1st Trust Bank, Inc. FDIC insured?

Yes, 1st Trust Bank, Inc. is FDIC insured (Certificate #57869).

What are the total assets of 1st Trust Bank, Inc.?

1st Trust Bank, Inc. has total assets of $332.1M as reported in its most recent FDIC filing.

1st Trust Bank, Inc.

BankHazard, Kentucky

www.1tbi.com

Total Assets

$332.1M

Total Deposits

$301.9M

Branches

Established

2004

TFS Health Grade

66.2 / 100

Below average financial health

How we grade

1st Trust Bank, Inc. is a bank headquartered in Hazard, Kentucky, established in 2004. With $332.1M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D (66.2/100).

Capital & Safety

Tier 1 Capital Ratio

9.54%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.06%

Profitability

Return on Assets (ROA)

0.66%(1%)

Return on Equity (ROE)

7.66%(10%)

Net Interest Margin

3.15%

Efficiency Ratio

71.04%(60%)

Lending & Liquidity

Total Loans

$263.0M

Loan-to-Deposit Ratio

86.49%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

+6.39%

Deposit Growth (YoY)

+5.89%

Net Income

$2.1M

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
1st Trust Bank, Inc.HQ	44 Commerce Dr	Hazard	KY	11
1st Trust Bank, Inc.	106 Black Gold Ct	Hazard	KY	11
1st Trust Bank, Inc.	271 London Shopping Ctr	London	KY	11
1st Trust Bank, Inc.	360 Eastern Byp	Richmond	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.