First State Bank
Irvington, KY · Cert 12149 · Peer group: banks under $1B in assets in KY (n=69) · First Breckinridge Bancshares
State charter, non-member · FDIC · 5 affiliate banks · 3 branches (27 in holding)
Q2 2026
$402.0MAssets
$288.4MLoans
$354.3MDeposits
$41.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets in KY (rank 2 of 69).
- Widest gap: nonperforming loans / loans trails 78% of banks under $1B in assets in KY (rank 55 of 69).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.69%
Rank 8 of 69
Net Interest Margin
3.66%
Rank 40 of 69
Efficiency Ratio
45.90%
Rank 2 of 69
Equity / Assets
10.29%
Rank 32 of 69
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 99% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.69% | 0.83% | 1.18% | 1.44% | Beats 88% | 8 / 69 | |
| Return on Equity | 16.39% | 7.64% | 11.70% | 15.70% | Beats 81% | 13 / 69 | |
| Net Interest Margin | 3.66% | 3.45% | 3.75% | 3.96% | Beats 42% | 40 / 69 | |
| Efficiency Ratio | 45.90% | 55.32% | 62.99% | 70.80% | Beats 99% | 2 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.33% | 0.18% | 0.52% | 1.14% | Beats 22% | 55 / 69 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.06% | Beats 48% | 37 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 16.50% | 11.33% | 13.58% | 16.27% | Beats 75% | 17 / 69 | |
| Total Risk-Based Capital Ratio | 16.76% | 11.55% | 14.43% | 17.27% | Beats 70% | 21 / 69 | |
| Equity / Assets | 10.29% | 8.31% | 9.91% | 12.53% | Beats 54% | 32 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 81.42% | 71.40% | 81.07% | 88.03% | 51st pctl | 34 / 69 | |
| Loans / Assets | 71.75% | 61.10% | 68.66% | 76.68% | 59th pctl | 28 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |