FDIC Cert #21247 · Mayfield, Kentucky · Est. 1899

First Kentucky Bank, Inc. - FDIC Bank Health Profile

A community-scale look at First Kentucky Bank, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$588M
Total assets
B
Health grade · Good
1.11%
Return on assets
13.3%
Tier 1 capital

Data updated July 2026

The verdict

First Kentucky Bank, Inc. earns a PlainBankData health grade of B (79/100), with well-capitalized at 13.34% Tier 1, profitable at 1.11% ROA, 70% efficiency ratio.

#1,595
largest of 4,313 FDIC banks by assets
63rd
percentile by asset size, nationally
13.34%
Tier 1 ratio - above the 10% well-capitalized line
51st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 21247 · KY B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2090/4307
  • PHOTO-FINISH Tennessee State Bank · TN
  • TIER1-WELL 13.3% Tier 1
  • TEXAS-CLEAN 1.4% Texas
  • ROA-PAR 1.11% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: Tennessee State Bank, TN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Kentucky Bank, Inc.

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Evergreen National B… · CO ·…79/100First Kentucky Bank,… · KY ·…79/100Huron State Bank · MI · near79/100Southeast First Nati… · GA ·…79/100Tennessee State Bank · TN · …79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Kentucky Bank, Inc. · July 2026

What First Kentucky Bank, Inc.'s Call Report plate shows

First Kentucky Bank, Inc. (FDIC Cert #21247) carries a PlainBankData health grade of B at 79/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,090 of 4,307. Tier 1 capital prints at 13.34%, clearing the 10% well-capitalized line. The Texas Ratio is 1.41%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.11%. Balance-sheet scale is $588M, 1,595th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Tennessee State Bank (TN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Kentucky Bank, Inc.

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

First Kentucky Bank, Inc.'s home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Kentucky Bank, Inc. remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How First Kentucky Bank, Inc.'s 79/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10079/100
First Kentucky Bank, Inc.'s composite health score
Tier 1 Capital Ratio (13.34%) 35/40
Return on Assets (ROA) (1.11%) 20/25
Texas Ratio (1.41%) 20/20
Efficiency Ratio (70.04%) 4/15

79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$588M

Total balance-sheet footings

Total Deposits

$508M

Customer-funded liabilities

Net Loans

$353M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.94% 13.34% 14.74%
Basel III capital ratios - First Kentucky Bank, Inc.

Where First Kentucky Bank, Inc. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Kentucky Bank, Inc.'s score of 79/100 falls in the highlighted band.

First Kentucky Bank, Inc.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 49% higher than 51% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Kentucky Bank, Inc. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Kentucky Bank, Inc.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Kentucky Bank, Inc.'s $588M falls in the highlighted band.

Safety ratios for First Kentucky Bank, Inc.

Tier 1 capital ratio
Well-capitalized 10%

13.34% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.34%
Texas Ratio
1.41%
Equity Capital
$44M

What these ratios mean →

Earnings posture at First Kentucky Bank, Inc.

Return on Assets (ROA)
51st percentile nationally
1.11%
Return on Equity (ROE)
15.86%
Efficiency Ratio
70.04%

What these mean →

Income & expense at First Kentucky Bank, Inc.

$29M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Kentucky Bank, Inc. reports a Texas Ratio of 1.41% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.41% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Kentucky Bank, Inc. on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($588M here), outside Kentucky so the neighborhood is not state containment.

Baraboo State Bank $587M · WI Peoples National Bank of Kewanee $587M · IL Frontier State Bank $588M · OK NBT Financial Bank $588M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Kentucky Bank, Inc. (FDIC Cert #21247) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Kentucky Bank, Inc. Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
Stock Yards Bank & Trust CompanyLouisville $9.5B A 1.57%
Republic Bank & Trust CompanyLouisville $7.0B A 1.89%
Community Trust Bank, Inc.Pikeville $6.6B A 1.50%
Central Bank & Trust Co.Lexington $3.9B B 1.16%
Independence Bank of KentuckyOwensboro $3.8B B 0.80%
Traditional Bank, Inc.Mount Sterling $2.5B B 0.80%
Heritage Bank, Inc.Burlington $2.1B B 1.08%
South Central Bank, Inc.Glasgow $2.1B A 1.25%