1st Trust Bank, Inc.
Hazard, KY · Cert 57869 · Peer group: banks under $1B in assets in KY (n=69)
State charter, non-member · FDIC · 4 branches
Q2 2026
$351.7MAssets
$297.4MLoans
$309.2MDeposits
$30.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 78% of banks under $1B in assets in KY (rank 16 of 69).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets in KY (rank 63 of 69).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.73%
Rank 57 of 69
Net Interest Margin
3.36%
Rank 53 of 69
Efficiency Ratio
68.20%
Rank 47 of 69
Equity / Assets
8.75%
Rank 50 of 69
Non-interest income vs. expense
Unfavorable gap of $7.4M · efficiency ratio beats 33% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.83% | 1.18% | 1.44% | Beats 17% | 57 / 69 | | |
| Return on Equity | 8.39% | 7.64% | 11.70% | 15.70% | Beats 30% | 48 / 69 | | |
| Net Interest Margin | 3.36% | 3.45% | 3.75% | 3.96% | Beats 23% | 53 / 69 | | |
| Efficiency Ratio | 68.20% | 55.32% | 62.99% | 70.80% | Beats 33% | 47 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.18% | 0.52% | 1.14% | Beats 78% | 16 / 69 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 75% | 18 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 9.65% | 11.33% | 13.58% | 16.27% | Beats 10% | 62 / 69 | | |
| Total Risk-Based Capital Ratio | 9.65% | 11.55% | 14.43% | 17.27% | Beats 9% | 63 / 69 | | |
| Equity / Assets | 8.75% | 8.31% | 9.91% | 12.53% | Beats 28% | 50 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.20% | 71.40% | 81.07% | 88.03% | 84th pctl | 11 / 69 | | |
| Loans / Assets | 84.56% | 61.10% | 68.66% | 76.68% | 88th pctl | 8 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |