TellerScore

Headquartered in Carrollton, Kentucky, First National Bank of Kentucky is a national bank with $258.0M in total assets and $227.6M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1881.

First National Bank of Kentucky has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 72nd. Earnings contributes the most (89/100, 1.72%); capital cushion contributes the least (42/100, 9.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.16%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.60%
Earnings89/100
Return on assets (annualized): 1.72%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 88.9% · 17.9% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.27%

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 3 points (67 → 70), mostly because the earnings component improved by 26 points.

TellerScore
626670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202467
Q4 202468
Q1 202567
Q2 202567
Q3 202563
Q4 202562
Q1 202667
Q2 202670
Tier 1 leverage ratio
5.00%7.17%9.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.75%
Q3 20249.21%
Q4 20248.97%
Q1 20259.09%
Q2 20258.73%
Q3 20259.12%
Q4 20259.22%
Q1 20269.35%
Q2 20269.16%
Noncurrent loans
0.20%0.49%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.54%
Q3 20240.27%
Q4 20240.20%
Q1 20250.32%
Q2 20250.20%
Q3 20250.78%
Q4 20250.74%
Q1 20260.71%
Q2 20260.60%
Return on assets
0.99%1.36%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20241.08%
Q4 20241.09%
Q1 20250.99%
Q2 20251.08%
Q3 20251.12%
Q4 20251.06%
Q1 20261.45%
Q2 20261.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$258.0M9.16%0.60%1.72%88.9%
Q1 202667$257.1M9.35%0.71%1.45%88.2%
Q4 202562$242.4M9.22%0.74%1.06%93.0%
Q3 202563$235.7M9.12%0.78%1.12%90.9%
Q2 202567$233.3M8.73%0.20%1.08%86.9%
Q1 202567$231.7M9.09%0.32%0.99%84.7%
Q4 202468$225.2M8.97%0.20%1.09%85.4%
Q3 202467$216.3M9.21%0.27%1.08%90.5%
Q2 202463$219.3M8.75%0.54%1.00%89.6%

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 ratio9.16%
15th
Total risk-based capital0.00%
24th
Problem loans0.60%
41st
Net charge-offs0.01%
50th
Return on assets1.72%
77th
Net interest margin4.36%
73rd
Efficiency ratio61.6%
52nd
Loans to deposits88.9%
28th
Uninsured deposits17.9%
72nd
Loan-loss reserves1.45%
75th
Texas ratio5.3%
34th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of HindmanBank Hindman, KY62 out of 100, Moderate$259.7M9.2%0.91%vs
Bank of JamestownBank Jamestown, KY84 out of 100, Strong$263.8M13.0%0.02%vs
Citizens BankBank Mount Vernon, KY60 out of 100, Moderate$250.4M8.1%0.96%vs
Farmers Bank and Trust CompanyBank Princeton, KY76 out of 100, Strong$247.8M9.5%0.04%vs
Lewisburg Banking CompanyBank Lewisburg, KY72 out of 100, Strong$246.1M9.0%0.48%vs
Taylor County BankBank Campbellsville, KY77 out of 100, Strong$243.8M12.9%0.97%vs

Deposit insurance

Is my money safe at First National Bank of Kentucky?

Yes. First National Bank of Kentucky is an FDIC-insured institution (FDIC certificate #2735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.9% of deposits ($40.8M) 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 9.16%, 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%).

Check how much of your own balance is covered

6 locations

Branches

First National Bank of Kentucky lists 6 offices in 5 cities. Most locations:

  • Carrollton, KY (2)
  • Crestwood, KY (1)
  • Florence, KY (1)
  • Ft. Wright, KY (1)
  • Warsaw, KY (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank of Kentucky reported 101 home-loan applications under HMDA (LEI 2549001TX8MBDGWWWF50): 86 originated ($21,530,000 total), 9 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.4%, 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 National Bank of Kentucky
Former names
The First National Bank of Carrollton
Type
National bank
FDIC certificate #
2735
RSSD ID
907444
Primary regulator
OCC
Holding company
Port William Bancshares Inc
Established
January 1, 1881
Headquarters
604 Highland Ave, Carrollton, KY 41008
Employees
44

Quick answers

First National Bank of Kentucky: common questions

Is First National Bank of Kentucky FDIC insured?

Yes. First National Bank of Kentucky is an FDIC-insured institution (FDIC certificate #2735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of Kentucky's TellerScore?

70 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 National Bank of Kentucky ever failed?

There is no failure record for FDIC certificate #2735 in the FDIC failed bank list.

How many branches does First National Bank of Kentucky have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Carrollton

InstitutionScoreAssetsCapitalProblem loansCompare
Business and Industrial Federal Credit UnionCredit union Columbus, IN91 out of 100, Very strong$44.9M18.0%0.24%vs
Carrollton Federal BankBank Carrollton, KY87 out of 100, Very strong$43.6M15.7%0.00%vs
Clifty Creek Employees Federal Credit UnionCredit union Madison, IN79 out of 100, Strong$16.3M16.9%0.00%vs
Jefferson Community Federal Credit UnionCredit union Madison, IN79 out of 100, Strong$18.0M10.7%0.05%vs
Bedford Loan & Deposit BankBank Bedford, KY76 out of 100, Strong$121.8M14.6%1.27%vs
German American BankBank Jasper, IN75 out of 100, Strong$8.4B11.2%0.45%vs