Headquartered in Hazard, Kentucky, 1st Trust Bank, Inc. is a state-chartered bank with $351.7M in total assets and $309.2M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 2004.
1st Trust Bank, Inc. has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 94th. Problem-loan coverage contributes the most (97/100, 1.5%); capital cushion contributes the least (46/100, 9.65%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (54 → 64), mostly because the loan quality component improved by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 62 |
| Q1 2025 | 63 |
| Q2 2025 | 54 |
| Q3 2025 | 64 |
| Q4 2025 | 64 |
| Q1 2026 | 55 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.90% |
| Q3 2024 | 9.76% |
| Q4 2024 | 9.56% |
| Q1 2025 | 9.56% |
| Q2 2025 | 9.41% |
| Q3 2025 | 9.46% |
| Q4 2025 | 9.54% |
| Q1 2026 | 9.61% |
| Q2 2026 | 9.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.12% |
| Q1 2025 | 0.15% |
| Q2 2025 | 1.02% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.95% |
| Q2 2026 | 0.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $351.7M | 9.65% | 0.15% | 0.75% | 95.5% |
| Q1 2026 | 55 | $345.9M | 9.61% | 0.95% | 0.65% | 91.6% |
| Q4 2025 | 64 | $332.1M | 9.54% | 0.06% | 0.66% | 86.5% |
| Q3 2025 | 64 | $321.0M | 9.46% | 0.06% | 0.59% | 88.2% |
| Q2 2025 | 54 | $325.3M | 9.41% | 1.02% | 0.51% | 86.0% |
| Q1 2025 | 63 | $319.3M | 9.56% | 0.15% | 0.42% | 85.8% |
| Q4 2024 | 62 | $312.1M | 9.56% | 0.12% | 0.32% | 85.2% |
| Q3 2024 | 62 | $314.4M | 9.76% | 0.13% | 0.27% | 88.2% |
| Q2 2024 | 62 | $290.7M | 9.90% | 0.14% | 0.22% | 86.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Southern BankBank Hopkinsville, KY | 81 out of 100, Strong | $353.7M | 12.7% | 0.37% | vs |
| Citizens Deposit Bank of Arlington, Inc.Bank Arlington, KY | 77 out of 100, Strong | $348.2M | 13.7% | 0.94% | vs |
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |
| Kentucky Farmers Bank CorporationBank Catlettsburg, KY | 93 out of 100, Very strong | $328.5M | 15.7% | 0.43% | vs |
| Citizens Bank & Trust CompanyBank Campbellsville, KY | 79 out of 100, Strong | $383.4M | 13.1% | 0.57% | vs |
| The Farmers Bank of MiltonBank Milton, KY | 64 out of 100, Moderate | $305.1M | 12.6% | 1.26% | vs |
Deposit insurance
Is my money safe at 1st Trust Bank, Inc.?
Yes. 1st Trust Bank, Inc. is an FDIC-insured institution (FDIC certificate #57869). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.7% of deposits ($94.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.65%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
1st Trust Bank, Inc. lists 4 offices in 3 cities. Most locations:
- Hazard, KY (2)
- London, KY (1)
- Richmond, KY (1)
Identity & history
Profile
- Legal name
- 1st Trust Bank, Inc.
- Type
- State-chartered bank
- FDIC certificate #
- 57869
- RSSD ID
- 3309393
- Primary regulator
- FDIC
- Established
- December 13, 2004
- Headquarters
- 44 Commerce Dr, Hazard, KY 41701
- Website
- www.1tbi.com
- Employees
- 52
Quick answers
1st Trust Bank, Inc.: common questions
Is 1st Trust Bank, Inc. FDIC insured?
Yes. 1st Trust Bank, Inc. is an FDIC-insured institution (FDIC certificate #57869). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is 1st Trust Bank, Inc.'s TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has 1st Trust Bank, Inc. ever failed?
There is no failure record for FDIC certificate #57869 in the FDIC failed bank list.
How many branches does 1st Trust Bank, Inc. have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hazard
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Hyden Citizens BankBank Hyden, KY | 73 out of 100, Strong | $148.6M | 9.2% | 0.54% | vs |
| First Federal Savings and Loan AssociationBank Hazard, KY | 69 out of 100, Moderate | $81.3M | 21.6% | 1.69% | vs |
| Peoples BankBank Marietta, OH | 67 out of 100, Moderate | $9.5B | 9.7% | 0.60% | vs |
| Bank of HindmanBank Hindman, KY | 62 out of 100, Moderate | $259.7M | 9.2% | 0.91% | vs |