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Bank Of Lexington, Inc.
Lexington, KY · FDIC Certificate #58164 · Chartered 02/0
Total assets
$410.81M
Total deposits
$322.16M
Total equity
$45.00M
Net loans
$321.32M
Branches (offices)
4
Net income (YTD)
$2.44M
Rank: #2,032 of 4,213 U.S. banks by assets · #50 of 120 in Kentucky. Assets changed -5.5% and deposits -16.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.21% |
| Return on equity | 11.07% |
| Net interest margin (YTD) | 3.87% |
| Equity to assets | 10.95% |
| Tier 1 leverage ratio | 11.50% |
| Uninsured deposits (share of deposits) | 34.6% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 99.7% |
| Real estate loans (share of loans) | 97.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $312.16M | 97.1% | |
| Commercial & industrial | $9.71M | 3.0% | |
| Consumer / individual | $479.00K | 0.1% | |
| Construction & development | $32.74M | 10.2% | |
| Agricultural | $43.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $310.43M | $269.24M | $1.29M | $32.05M |
| Jun 2023 | $374.78M | $324.01M | $2.72M | $36.19M |
| Jun 2024 | $342.42M | $277.28M | $1.36M | $37.30M |
| Jun 2025 | $434.54M | $385.70M | $2.62M | $40.15M |
| Jun 2026 | $410.81M | $322.16M | $2.44M | $45.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $322.16M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $322.16M.
Similar-sized banks
Village Bank ($411.87M) · Exchange Bank ($410.31M)
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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