TellerScore

The First National Bank of Manchester (FDIC certificate #2708) is based in Manchester, Kentucky. Its Q2 2026 call report shows $230.1M in total assets and $206.4M in deposits and 6 offices.

The First National Bank of Manchester has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 110th. Problem-loan coverage contributes the most (79/100, 10.3%); loan quality contributes the least (46/100, 1.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.86%
Loan quality46/100
Noncurrent loans ÷ total loans: 1.62%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 75.2% · 36.7% uninsured
Problem-loan coverage79/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.31%

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 (52 → 55), mostly because the capital cushion component improved by 8 points.

TellerScore
485562Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202462
Q4 202454
Q1 202554
Q2 202552
Q3 202551
Q4 202548
Q1 202650
Q2 202655
Tier 1 leverage ratio
5.00%7.43%9.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.96%
Q3 20248.98%
Q4 20248.38%
Q1 20258.49%
Q2 20259.11%
Q3 20259.50%
Q4 20259.40%
Q1 20269.69%
Q2 20269.86%
Noncurrent loans
0.60%1.38%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.98%
Q3 20240.60%
Q4 20241.10%
Q1 20251.41%
Q2 20251.51%
Q3 20251.78%
Q4 20251.87%
Q1 20262.16%
Q2 20261.62%
Return on assets
0.60%0.80%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.99%
Q3 20240.88%
Q4 20240.77%
Q1 20251.01%
Q2 20250.83%
Q3 20250.78%
Q4 20250.60%
Q1 20260.99%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$230.1M9.86%1.62%0.99%75.2%
Q1 202650$231.4M9.69%2.16%0.99%73.9%
Q4 202548$229.1M9.40%1.87%0.60%74.7%
Q3 202551$227.7M9.50%1.78%0.78%75.1%
Q2 202552$229.1M9.11%1.51%0.83%75.6%
Q1 202554$243.3M8.49%1.41%1.01%68.6%
Q4 202454$242.2M8.38%1.10%0.77%69.5%
Q3 202462$240.4M8.98%0.60%0.88%70.1%
Q2 202459$216.1M8.96%0.98%0.99%77.8%

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 ratio9.86%
28th
Total risk-based capital15.77%
72nd
Problem loans1.62%
17th
Net charge-offs0.03%
33rd
Return on assets0.99%
33rd
Net interest margin4.64%
84th
Efficiency ratio75.2%
20th
Loans to deposits75.2%
60th
Uninsured deposits36.7%
15th
Loan-loss reserves1.39%
71st
Texas ratio10.3%
18th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of ColumbiaBank Columbia, KY76 out of 100, Strong$231.1M9.3%0.19%vs
The Citizens BankBank Morehead, KY76 out of 100, Strong$228.6M8.7%0.06%vs
The Citizens BankBank Hickman, KY82 out of 100, Strong$220.4M12.7%0.34%vs
United Citizens Bank & Trust CompanyBank Campbellsburg, KY56 out of 100, Moderate$219.3M10.0%1.78%vs
The Commercial Bank of GraysonBank Grayson, KY49 out of 100, Below average$242.0M11.0%3.03%vs
Citizens Bank & Trust Co. of JacksonBank Jackson, KY42 out of 100, Below average$217.3M9.7%3.35%vs

Deposit insurance

Is my money safe at The First National Bank of Manchester?

Yes. The First National Bank of Manchester is an FDIC-insured institution (FDIC certificate #2708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.7% of deposits ($75.7M) 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 9.86%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.77% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

The First National Bank of Manchester lists 6 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Manchester
Type
National bank
FDIC certificate #
2708
RSSD ID
719610
Primary regulator
OCC
Holding company
First National Financial Corp
Established
February 5, 1905
Headquarters
120 Town Branch Rd, Manchester, KY 40962
Employees
51

Quick answers

The First National Bank of Manchester: common questions

Is The First National Bank of Manchester FDIC insured?

Yes. The First National Bank of Manchester is an FDIC-insured institution (FDIC certificate #2708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Manchester's TellerScore?

55 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 Manchester ever failed?

There is no failure record for FDIC certificate #2708 in the FDIC failed bank list.

How many branches does The First National Bank of Manchester have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Manchester

InstitutionScoreAssetsCapitalProblem loansCompare
Jackson County BankBank Mc Kee, KY92 out of 100, Very strong$175.9M28.8%0.68%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Commercial BankBank Harrogate, TN77 out of 100, Strong$2.4B11.6%0.35%vs
Hyden Citizens BankBank Hyden, KY73 out of 100, Strong$148.6M9.2%0.54%vs
L & N Federal Credit UnionCredit union Louisville, KY72 out of 100, Strong$2.6B10.6%0.26%vs