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First Kentucky Bank, Inc.
Mayfield, KY · FDIC Certificate #21247 · Chartered 01/0
Total assets
$585.56M
Total deposits
$508.18M
Total equity
$45.23M
Net loans
$356.65M
Branches (offices)
11
Net income (YTD)
$3.71M
Rank: #1,585 of 4,213 U.S. banks by assets · #31 of 120 in Kentucky. Assets changed 1.3% and deposits 0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 16.63% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 7.72% |
| Tier 1 leverage ratio | 9.35% |
| Uninsured deposits (share of deposits) | 17.8% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 70.2% |
| Real estate loans (share of loans) | 81.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $291.82M | 81.8% | |
| Commercial & industrial | $23.67M | 6.6% | |
| Consumer / individual | $35.57M | 10.0% | |
| Construction & development | $26.54M | 7.4% | |
| Agricultural | $5.99M | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $549.53M | $494.83M | $3.45M | $33.54M |
| Jun 2023 | $565.60M | $515.37M | $3.29M | $32.48M |
| Jun 2024 | $576.02M | $511.12M | $2.33M | $35.37M |
| Jun 2025 | $577.94M | $507.96M | $3.19M | $40.80M |
| Jun 2026 | $585.56M | $508.18M | $3.71M | $45.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $508.18M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $508.18M.
Similar-sized banks
Freedom Bank ($585.74M) · Washington Savings Bank ($585.34M)
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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