Headquartered in Mayfield, Kentucky, FNB Bank, Inc. is a state-chartered bank with $770.0M in total assets and $706.4M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1875.
FNB Bank, Inc. has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 90th. Problem-loan coverage contributes the most (89/100, 5.7%); capital cushion contributes the least (35/100, 8.48%).
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 fell 4 points (69 → 65), mostly because the loan quality component weakened by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 64 |
| Q4 2024 | 66 |
| Q1 2025 | 68 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 67 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.23% |
| Q3 2024 | 8.22% |
| Q4 2024 | 8.31% |
| Q1 2025 | 8.54% |
| Q2 2025 | 8.53% |
| Q3 2025 | 8.67% |
| Q4 2025 | 8.60% |
| Q1 2026 | 8.61% |
| Q2 2026 | 8.48% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.67% |
| Q2 2026 | 0.68% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.83% |
| Q1 2025 | 1.05% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.01% |
| Q4 2025 | 0.97% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $770.0M | 8.48% | 0.68% | 1.23% | 72.0% |
| Q1 2026 | 67 | $765.9M | 8.61% | 0.67% | 1.31% | 70.7% |
| Q4 2025 | 69 | $750.4M | 8.60% | 0.16% | 0.97% | 73.2% |
| Q3 2025 | 69 | $729.0M | 8.67% | 0.16% | 1.01% | 73.8% |
| Q2 2025 | 69 | $721.5M | 8.53% | 0.18% | 1.04% | 72.8% |
| Q1 2025 | 68 | $708.5M | 8.54% | 0.16% | 1.05% | 72.4% |
| Q4 2024 | 66 | $690.0M | 8.31% | 0.13% | 0.83% | 74.5% |
| Q3 2024 | 64 | $676.9M | 8.22% | 0.24% | 0.84% | 77.9% |
| Q2 2024 | 65 | $669.8M | 8.23% | 0.17% | 0.88% | 77.2% |
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 |
|---|---|---|---|---|---|
| Farmers Bank and Trust CompanyBank Marion, KY | 74 out of 100, Strong | $794.0M | 9.2% | 0.23% | vs |
| Franklin Bank & Trust CompanyBank Franklin, KY | 75 out of 100, Strong | $803.6M | 13.5% | 1.08% | vs |
| Cumberland Valley National Bank & Trust CompanyBank London, KY | 69 out of 100, Moderate | $816.1M | 9.5% | 0.22% | vs |
| Wilson & Muir Bank & Trust CompanyBank Bardstown, KY | 76 out of 100, Strong | $818.4M | 9.4% | 0.27% | vs |
| First & Farmers National Bank, Inc.Bank Somerset, KY | 75 out of 100, Strong | $714.2M | 11.5% | 0.77% | vs |
| The Citizens National Bank of SomersetBank Somerset, KY | 75 out of 100, Strong | $700.9M | 9.0% | 0.18% | vs |
Deposit insurance
Is my money safe at FNB Bank, Inc.?
Yes. FNB Bank, Inc. is an FDIC-insured institution (FDIC certificate #2759). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.2% of deposits ($121.7M) 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 8.48%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.43% (benchmark: 10%).
11 locations
Branches
FNB Bank, Inc. lists 10 offices in 6 cities. Most locations:
- Cadiz, KY (2)
- Mayfield, KY (2)
- Murray, KY (2)
- Paducah, KY (2)
- Benton, KY (1)
- Wingo, KY (1)
Identity & history
Profile
- Legal name
- FNB Bank, Inc.
- Former names
- The First National Bank of Mayfield
- Type
- State-chartered bank
- FDIC certificate #
- 2759
- RSSD ID
- 400141
- Primary regulator
- FDIC
- Holding company
- Jackson Financial Corp
- Established
- January 1, 1875
- Headquarters
- 101 E Broadway, Mayfield, KY 42066
- Website
- www.growwithfnb.com
- Employees
- 121
Quick answers
FNB Bank, Inc.: common questions
Is FNB Bank, Inc. FDIC insured?
Yes. FNB Bank, Inc. is an FDIC-insured institution (FDIC certificate #2759). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is FNB Bank, Inc.'s TellerScore?
65 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 FNB Bank, Inc. ever failed?
There is no failure record for FDIC certificate #2759 in the FDIC failed bank list.
How many branches does FNB 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 |