FNB Bank, Inc.
Mayfield, KY · Cert 2759 · Peer group: banks under $1B in assets in KY (n=69) · Jackson Financial Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
$770.0MAssets
$517.3MLoans
$706.4MDeposits
$59.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 74% of banks under $1B in assets in KY (rank 18 of 69).
- Widest gap: equity / assets trails 80% of banks under $1B in assets in KY (rank 55 of 69).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.22%
Rank 32 of 69
Net Interest Margin
3.29%
Rank 54 of 69
Efficiency Ratio
59.78%
Rank 33 of 69
Equity / Assets
7.77%
Rank 55 of 69
Non-interest income vs. expense
Unfavorable gap of $12.9M · efficiency ratio beats 54% 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 | 1.22% | 0.83% | 1.18% | 1.44% | Beats 54% | 32 / 69 | |
| Return on Equity | 15.70% | 7.64% | 11.70% | 15.70% | Beats 74% | 18 / 69 | |
| Net Interest Margin | 3.29% | 3.45% | 3.75% | 3.96% | Beats 22% | 54 / 69 | |
| Efficiency Ratio | 59.78% | 55.32% | 62.99% | 70.80% | Beats 54% | 33 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.18% | 0.52% | 1.14% | Beats 41% | 42 / 69 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 62% | 27 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 12.17% | 11.33% | 13.58% | 16.27% | Beats 33% | 46 / 69 | |
| Total Risk-Based Capital Ratio | 13.43% | 11.55% | 14.43% | 17.27% | Beats 42% | 40 / 69 | |
| Equity / Assets | 7.77% | 8.31% | 9.91% | 12.53% | Beats 20% | 55 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 73.23% | 71.40% | 81.07% | 88.03% | 28th pctl | 50 / 69 | |
| Loans / Assets | 67.18% | 61.10% | 68.66% | 76.68% | 41st pctl | 41 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |