Headquartered in Mayfield, Kentucky, First Kentucky Bank, Inc. is a state-chartered bank with $585.6M in total assets and $508.2M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1899.
Based on its Q2 2026 filing, First Kentucky Bank, Inc. scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 59th. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is capital cushion (43/100; 9.35%).
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 2 points (71 → 73), mostly because the earnings component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 70 |
| Q4 2024 | 69 |
| Q1 2025 | 69 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 71 |
| Q1 2026 | 72 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.67% |
| Q3 2024 | 8.84% |
| Q4 2024 | 8.91% |
| Q1 2025 | 8.89% |
| Q2 2025 | 9.00% |
| Q3 2025 | 9.05% |
| Q4 2025 | 9.07% |
| Q1 2026 | 9.24% |
| Q2 2026 | 9.35% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.98% |
| Q2 2025 | 1.10% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.11% |
| Q1 2026 | 1.23% |
| Q2 2026 | 1.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $585.6M | 9.35% | 0.25% | 1.26% | 70.2% |
| Q1 2026 | 72 | $594.9M | 9.24% | 0.23% | 1.23% | 67.7% |
| Q4 2025 | 71 | $587.8M | 9.07% | 0.19% | 1.11% | 69.6% |
| Q3 2025 | 71 | $591.9M | 9.05% | 0.25% | 1.12% | 70.1% |
| Q2 2025 | 71 | $577.9M | 9.00% | 0.21% | 1.10% | 69.3% |
| Q1 2025 | 69 | $589.1M | 8.89% | 0.26% | 0.98% | 67.2% |
| Q4 2024 | 69 | $576.2M | 8.91% | 0.18% | 0.89% | 68.0% |
| Q3 2024 | 70 | $571.0M | 8.84% | 0.09% | 0.83% | 69.3% |
| Q2 2024 | 69 | $576.0M | 8.67% | 0.11% | 0.81% | 68.0% |
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 |
|---|---|---|---|---|---|
| First United Bank and Trust CompanyBank Madisonville, KY | 74 out of 100, Strong | $591.4M | 9.5% | 0.25% | vs |
| Peoples Bank of Kentucky, Inc.Bank Flemingsburg, KY | 45 out of 100, Below average | $564.9M | 11.1% | 3.20% | vs |
| Hearthside Bank CorporationBank Middlesboro, KY | 68 out of 100, Moderate | $608.9M | 10.1% | 0.32% | vs |
| Peoples Exchange BankBank Winchester, KY | 71 out of 100, Strong | $609.8M | 10.0% | 0.06% | vs |
| West Point BankBank Radcliff, KY | 57 out of 100, Moderate | $560.6M | 8.5% | 0.93% | vs |
| Magnolia Bank, IncorporatedBank Elizabethtown, KY | 49 out of 100, Below average | $546.3M | 11.0% | 2.02% | vs |
Deposit insurance
Is my money safe at First Kentucky Bank, Inc.?
Yes. First Kentucky Bank, Inc. is an FDIC-insured institution (FDIC certificate #21247). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.8% of deposits ($90.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.35%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.01% (benchmark: 10%).
11 locations
Branches
First Kentucky Bank, Inc. lists 10 offices in 8 cities. Most locations:
- Benton, KY (2)
- Mayfield, KY (2)
- Bardwell, KY (1)
- Beaver Dam, KY (1)
- Central City, KY (1)
- Cunningham, KY (1)
- Grand Rivers, KY (1)
- Greenville, KY (1)
HMDA 2025
Mortgage lending
In 2025, First Kentucky Bank, Inc. reported 173 home-loan applications under HMDA (LEI 54930060AO2QGPQGPO07): 130 originated ($21,700,000 total), 26 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.9%, 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
- First Kentucky Bank, Inc.
- Former names
- Exchange Bank
- Type
- State-chartered bank
- FDIC certificate #
- 21247
- RSSD ID
- 263243
- Primary regulator
- FDIC
- Holding company
- Exchange Bancshares Inc
- Established
- January 1, 1899
- Headquarters
- 223 S 6th St, Mayfield, KY 42066
- Website
- www.firstkentucky.com
- Employees
- 114
Quick answers
First Kentucky Bank, Inc.: common questions
Is First Kentucky Bank, Inc. FDIC insured?
Yes. First Kentucky Bank, Inc. is an FDIC-insured institution (FDIC certificate #21247). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Kentucky Bank, Inc.'s TellerScore?
73 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 First Kentucky Bank, Inc. ever failed?
There is no failure record for FDIC certificate #21247 in the FDIC failed bank list.
How many branches does First Kentucky Bank, Inc. have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mayfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| C-Plant Federal Credit UnionCredit union Paducah, KY | 92 out of 100, Very strong | $365.9M | 14.7% | 0.16% | vs |
| Signet Federal Credit UnionCredit union Paducah, KY | 82 out of 100, Strong | $398.2M | 16.6% | 1.07% | vs |
| The Citizens BankBank Hickman, KY | 82 out of 100, Strong | $220.4M | 12.7% | 0.34% | vs |
| The Paducah Bank and Trust CompanyBank Paducah, KY | 79 out of 100, Strong | $1.1B | 10.6% | 0.19% | vs |
| Citizens Deposit Bank of Arlington, Inc.Bank Arlington, KY | 77 out of 100, Strong | $348.2M | 13.7% | 0.94% | vs |
| Bank of Cadiz and Trust CompanyBank Cadiz, KY | 74 out of 100, Strong | $142.9M | 9.1% | 0.00% | vs |