Total Assets
$229M
Total balance-sheet footings
FDIC Cert #2708 · Manchester, Kentucky · Est. 1905
The First National Bank of Manchester - FDIC Bank Health Profile
A community-scale look at The First National Bank of Manchester's own numbers, pulled straight from its quarterly FDIC Call Report.
- $229M
- Total assets
- B
- Health grade · Good
- 0.60%
- Return on assets
- 14.0%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank of Manchester earns a PlainBankData health grade of B (65/100), with well-capitalized at 13.99% Tier 1, 0.60% ROA, 83% efficiency ratio.
- #2,855
- largest of 4,313 FDIC banks by assets
- 34th
- percentile by asset size, nationally
- 13.99%
- Tier 1 ratio - above the 10% well-capitalized line
- 19th
- 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.
How The First National Bank of Manchester's 65/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The First National Bank of Manchester's composite health score
Tier 1 Capital Ratio (13.99%) 35/40
Return on Assets (ROA) (0.60%) 14/25
Texas Ratio (12.28%) 16/20
Efficiency Ratio (83.04%) 0/15
65 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$206M
Customer-funded liabilities
Net Loans
$154M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank of Manchester ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Manchester's score of 65/100 falls in the highlighted band.
The First National Bank of Manchester'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). The First National Bank of Manchester's $229M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.99%
Texas Ratio
12.28%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
19th percentile nationally
0.60%
Return on Equity (ROE)
6.73%
Efficiency Ratio
83.04%
What the numbers say about The First National Bank of Manchester
The First National Bank of Manchester is an FDIC-insured institution (Certificate #2708) headquartered in Manchester, Kentucky, established in 1905. It holds $229M in total assets - 2,855th of 4,313 FDIC-insured banks, $206M in customer deposits, and $154M in net loans. Looking at capital strength, Tier 1 stands at 13.99%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 12.28%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (65/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kentucky, The First National Bank of Manchester ranks 76th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$13M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Manchester reports a Texas Ratio of 12.28% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
12.28% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Manchester (FDIC Cert #2708) - 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.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The First National Bank of Manchester's health grade?▼
The First National Bank of Manchester receives a health grade of B (65/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The First National Bank of Manchester?▼
The First National Bank of Manchester holds $229M in total assets and $206M in deposits, ranking 2,855th of 4,313 FDIC-insured banks by asset size. It is headquartered in Manchester, Kentucky.
Is my money safe at The First National Bank of Manchester?▼
Yes, deposits at The First National Bank of Manchester (Certificate #2708) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank of Manchester's Tier 1 Capital Ratio?▼
The First National Bank of Manchester has a Tier 1 Capital Ratio of 13.99%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The First National Bank of Manchester?▼
The First National Bank of Manchester has a Texas Ratio of 12.28%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The First National Bank of Manchester?▼
The First National Bank of Manchester has an Efficiency Ratio of 83.04%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The First National Bank of Manchester's profile as a depositor or analyst.
- The First National Bank of Manchester's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank of Manchester against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.