TellerScore

Headquartered in Lexington, Kentucky, Bank of Lexington, Inc. is a state-chartered bank with $410.8M in total assets and $322.2M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 2006.

Based on its Q2 2026 filing, Bank of Lexington, Inc. scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 52nd. Its strongest component is loan quality (100/100; 0.01%), and its lowest is funding & liquidity (39/100; 100% loans-to-deposits, 35% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.50%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings68/100
Return on assets (annualized): 1.21%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 99.7% · 34.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.09%

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 8 points (66 → 74), mostly because the capital cushion component improved by 20 points.

TellerScore
667074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202471
Q4 202470
Q1 202573
Q2 202566
Q3 202570
Q4 202570
Q1 202672
Q2 202674
Tier 1 leverage ratio
5.00%8.26%11.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.52%
Q3 202411.35%
Q4 202411.10%
Q1 20258.75%
Q2 20259.50%
Q3 20259.93%
Q4 202510.40%
Q1 202611.12%
Q2 202611.50%
Noncurrent loans
0.00%0.09%0.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.04%
Q4 20240.03%
Q1 20250.03%
Q2 20250.17%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.01%
Return on assets
0.69%1.06%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20240.75%
Q4 20240.69%
Q1 20251.20%
Q2 20251.26%
Q3 20251.37%
Q4 20251.42%
Q1 20261.38%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$410.8M11.50%0.01%1.21%99.7%
Q1 202672$399.4M11.12%0.00%1.38%91.8%
Q4 202570$401.1M10.40%0.00%1.42%89.2%
Q3 202570$430.9M9.93%0.00%1.37%78.6%
Q2 202566$434.5M9.50%0.17%1.26%76.4%
Q1 202573$457.0M8.75%0.03%1.20%71.2%
Q4 202470$357.5M11.10%0.03%0.69%95.9%
Q3 202471$353.9M11.35%0.04%0.75%93.7%
Q2 202472$342.4M11.52%0.04%0.80%96.1%

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).

Capital ratio11.50%
58th
Total risk-based capital16.88%
78th
Problem loans0.01%
85th
Net charge-offs0.00%
57th
Return on assets1.21%
48th
Net interest margin3.87%
46th
Efficiency ratio58.5%
61st
Loans to deposits99.7%
11th
Uninsured deposits34.6%
18th
Loan-loss reserves0.53%
4th
Texas ratio0.1%
86th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of the Bluegrass and Trust CompanyBank Lexington, KY75 out of 100, Strong$407.0M10.8%0.03%vs
First State BankBank Irvington, KY70 out of 100, Strong$402.0M11.2%1.33%vs
Cumberland Security Bank, Inc.Bank Somerset, KY87 out of 100, Very strong$420.1M14.1%0.16%vs
Town & Country Bank and Trust CompanyBank Bardstown, KY82 out of 100, Strong$433.7M12.7%0.42%vs
Citizens Bank & Trust CompanyBank Campbellsville, KY79 out of 100, Strong$383.4M13.1%0.57%vs
Morgantown Bank & Trust Company, IncorporatedBank Morgantown, KY63 out of 100, Moderate$439.7M8.2%0.24%vs

Deposit insurance

Is my money safe at Bank of Lexington, Inc.?

Yes. Bank of Lexington, Inc. is an FDIC-insured institution (FDIC certificate #58164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.6% of deposits ($111.6M) 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 11.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.88% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Bank of Lexington, Inc. lists 4 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Lexington, Inc. reported 282 home-loan applications under HMDA (LEI 549300QLZWERAXKGEP54): 204 originated ($72,120,000 total), 16 denied, and 56 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Lexington, Inc.
Type
State-chartered bank
FDIC certificate #
58164
RSSD ID
3410141
Primary regulator
FDIC
Holding company
First Breckinridge Bancshares
Established
February 6, 2006
Headquarters
761 Corporate Dr, Lexington, KY 40503
Employees
48

Quick answers

Bank of Lexington, Inc.: common questions

Is Bank of Lexington, Inc. FDIC insured?

Yes. Bank of Lexington, Inc. is an FDIC-insured institution (FDIC certificate #58164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Lexington, Inc.'s TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Lexington, Inc. ever failed?

There is no failure record for FDIC certificate #58164 in the FDIC failed bank list.

How many branches does Bank of Lexington, Inc. have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lexington

InstitutionScoreAssetsCapitalProblem loansCompare
The Health & Education Federal Credit UnionCredit union Lexington, KY97 out of 100, Very strong$125.8M17.7%0.23%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Century Bank of Kentucky, Inc.Bank Lawrenceburg, KY84 out of 100, Strong$208.1M10.4%0.00%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs