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1St Trust Bank, Inc.
Hazard, KY · FDIC Certificate #57869 · Chartered 12/1
Total assets
$351.71M
Total deposits
$309.15M
Total equity
$30.77M
Net loans
$295.37M
Branches (offices)
4
Net income (YTD)
$1.29M
Rank: #2,248 of 4,213 U.S. banks by assets · #56 of 120 in Kentucky. Assets changed 8.1% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.75% |
| Return on equity | 8.59% |
| Net interest margin (YTD) | 3.43% |
| Equity to assets | 8.75% |
| Tier 1 leverage ratio | 9.65% |
| Uninsured deposits (share of deposits) | 30.7% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 95.5% |
| Real estate loans (share of loans) | 84.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $248.50M | 84.1% | |
| Commercial & industrial | $37.66M | 12.7% | |
| Consumer / individual | $9.44M | 3.2% | |
| Construction & development | $35.90M | 12.2% | |
| Agricultural | $227.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $269.24M | $245.52M | $558.00K | $23.23M |
| Jun 2023 | $262.18M | $227.23M | $682.00K | $24.33M |
| Jun 2024 | $290.71M | $264.23M | $319.00K | $25.62M |
| Jun 2025 | $325.25M | $297.10M | $821.00K | $27.32M |
| Jun 2026 | $351.71M | $309.15M | $1.29M | $30.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $309.15M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $309.15M.
Similar-sized banks
Iowa State Bank And Trust Company Of Fairfield, Iowa ($352.06M) · Kirkwood Bank & Trust Co. ($351.25M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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