First Kentucky Bank, Inc.
Mayfield, KY · Cert 21247 · Peer group: banks under $1B in assets in KY (n=69) · Exchange Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
$585.6MAssets
$361.5MLoans
$508.2MDeposits
$45.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 64% of banks under $1B in assets in KY (rank 26 of 69).
- Widest gap: equity / assets trails 81% of banks under $1B in assets in KY (rank 56 of 69).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.99%
Rank 45 of 69
Net Interest Margin
3.25%
Rank 56 of 69
Efficiency Ratio
67.40%
Rank 46 of 69
Equity / Assets
7.72%
Rank 56 of 69
Non-interest income vs. expense
Unfavorable gap of $11.9M · efficiency ratio beats 35% 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 | 0.99% | 0.83% | 1.18% | 1.44% | Beats 35% | 45 / 69 | |
| Return on Equity | 12.88% | 7.64% | 11.70% | 15.70% | Beats 58% | 29 / 69 | |
| Net Interest Margin | 3.25% | 3.45% | 3.75% | 3.96% | Beats 19% | 56 / 69 | |
| Efficiency Ratio | 67.40% | 55.32% | 62.99% | 70.80% | Beats 35% | 46 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.18% | 0.52% | 1.14% | Beats 64% | 26 / 69 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.06% | Beats 49% | 36 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 13.78% | 11.33% | 13.58% | 16.27% | Beats 51% | 34 / 69 | |
| Total Risk-Based Capital Ratio | 15.01% | 11.55% | 14.43% | 17.27% | Beats 54% | 32 / 69 | |
| Equity / Assets | 7.72% | 8.31% | 9.91% | 12.53% | Beats 19% | 56 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 71.14% | 71.40% | 81.07% | 88.03% | 23rd pctl | 53 / 69 | |
| Loans / Assets | 61.74% | 61.10% | 68.66% | 76.68% | 26th pctl | 51 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |