Headquartered in Brooksville, Kentucky, The First National Bank of Brooksville is a national bank with $73.7M in total assets and $65.2M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1907.
Based on its Q2 2026 filing, The First National Bank of Brooksville scores 68/100, which we describe as moderate. That is higher than only 33% of 546 banks with under $100 million in assets. Among 120 banks headquartered in Kentucky, it ranks 84th. Its strongest component is funding & liquidity (92/100; 63% loans-to-deposits, 19% uninsured), and its lowest is earnings (49/100; 0.72%).
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 5 points (73 → 68), mostly because the loan quality component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 64 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 73 |
| Q3 2025 | 78 |
| Q4 2025 | 76 |
| Q1 2026 | 76 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.54% |
| Q3 2024 | 10.59% |
| Q4 2024 | 10.44% |
| Q1 2025 | 10.51% |
| Q2 2025 | 10.90% |
| Q3 2025 | 11.75% |
| Q4 2025 | 11.42% |
| Q1 2026 | 11.39% |
| Q2 2026 | 11.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 1.02% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.36% |
| Q1 2026 | 0.53% |
| Q2 2026 | 1.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.84% |
| Q3 2025 | 1.00% |
| Q4 2025 | 0.98% |
| Q1 2026 | 1.06% |
| Q2 2026 | 0.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $73.7M | 11.53% | 1.15% | 0.72% | 63.4% |
| Q1 2026 | 76 | $74.3M | 11.39% | 0.53% | 1.06% | 61.5% |
| Q4 2025 | 76 | $72.9M | 11.42% | 0.36% | 0.98% | 64.6% |
| Q3 2025 | 78 | $71.1M | 11.75% | 0.29% | 1.00% | 67.0% |
| Q2 2025 | 73 | $73.4M | 10.90% | 0.45% | 0.84% | 64.8% |
| Q1 2025 | 68 | $76.0M | 10.51% | 0.73% | 0.70% | 63.2% |
| Q4 2024 | 67 | $74.5M | 10.44% | 0.69% | 0.56% | 63.1% |
| Q3 2024 | 64 | $75.5M | 10.59% | 1.02% | 0.52% | 62.6% |
| Q2 2024 | 65 | $74.3M | 10.54% | 0.82% | 0.48% | 56.8% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Security Bank and Trust Co.Bank Maysville, KY | 83 out of 100, Strong | $71.8M | 15.7% | 1.86% | vs |
| Clinton BankBank Clinton, KY | 69 out of 100, Moderate | $70.4M | 16.8% | 1.77% | vs |
| Farmers State BankBank Booneville, KY | 69 out of 100, Moderate | $69.3M | 10.7% | 1.07% | vs |
| Farmers & Traders Bank of CamptonBank Campton, KY | 74 out of 100, Strong | $67.2M | 9.2% | 0.05% | vs |
| First Federal Savings and Loan AssociationBank Hazard, KY | 69 out of 100, Moderate | $81.3M | 21.6% | 1.69% | vs |
| Blue Grass Federal Savings and Loan AssociationBank Paris, KY | 79 out of 100, Strong | $58.5M | 15.9% | 0.00% | vs |
Deposit insurance
Is my money safe at The First National Bank of Brooksville?
Yes. The First National Bank of Brooksville is an FDIC-insured institution (FDIC certificate #2682). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.9% of deposits ($12.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.53%, well 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%).
2 locations
Branches
The First National Bank of Brooksville lists 1 office in 1 city. Most locations:
- Brooksville, KY (1)
HMDA 2025
Mortgage lending
In 2025, The First National Bank of Brooksville reported 102 home-loan applications under HMDA (LEI 2549002H3CEW0748X068): 67 originated ($6,355,000 total), 19 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.8%, 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
- The First National Bank of Brooksville
- Type
- National bank
- FDIC certificate #
- 2682
- RSSD ID
- 798512
- Primary regulator
- OCC
- Holding company
- Fnb Bancshares Inc
- Established
- July 7, 1907
- Headquarters
- 105 Locust St, Brooksville, KY 41004
- Website
- www.fnbfirst.com
- Employees
- 18
Quick answers
The First National Bank of Brooksville: common questions
Is The First National Bank of Brooksville FDIC insured?
Yes. The First National Bank of Brooksville is an FDIC-insured institution (FDIC certificate #2682). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Brooksville's TellerScore?
68 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 The First National Bank of Brooksville ever failed?
There is no failure record for FDIC certificate #2682 in the FDIC failed bank list.
How many branches does The First National Bank of Brooksville have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Brooksville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of MaysvilleBank Maysville, KY | 93 out of 100, Very strong | $164.0M | 16.9% | 0.12% | vs |
| Security Bank and Trust Co.Bank Maysville, KY | 83 out of 100, Strong | $71.8M | 15.7% | 1.86% | vs |
| Community Savings BankBank Bethel, OH | 80 out of 100, Strong | $119.6M | 14.8% | 0.10% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| RiverHills BankBank Milford, OH | 73 out of 100, Strong | $340.8M | 10.7% | 0.12% | vs |
| Southern Hills Community BankBank Leesburg, OH | 71 out of 100, Strong | $209.6M | 13.8% | 1.58% | vs |