1st Trust Bank, Inc.
Hazard, KY
IDRSSD: 3309393
Total Assets
$332.07M
Latest filing
Total Deposits
$301.94M
Latest filing
Net Interest Margin
3.38%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042108449HAZARD, KY
Key People
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Locations
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Main Office
1st Trust Bank, Inc.
44 Commerce Dr
Hazard, KY 41701
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/13/2004FDIC Certificate 428536
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| 1st Trust Bank, Inc. (Main) | 44 Commerce Dr | Hazard, KY |
| BLACK GOLD BRANCH | 106 Black Gold Ct | Hazard, KY |
| LONDON SHOPPING CENTER BRANCH | 271 London Shopping Ctr | London, KY |
| EASTERN BYPASS BRANCH | 360 Eastern Byp | Richmond, KY |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/13/2004 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41701 |
| State and County Number | 21193 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/13/2004 |
| Primary Insurance Agency | DIF |
| Website | www.1tbi.com |
| Data Updated | 01/30/2026 |
| CERT | 57869 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $332.07M |
| Total Deposits | $301.94M |
| Total Liabilities | $302.60M |
| Total Equity Capital | $29.48M |
| Net Income | $702.00k |
| Net Loans and Leases | $261.16M |
| Assets Per Employee ($Millions) | $6.51M |
| Bank Premises and Fixed Assets | $6.88M |
| Cash and Balances due from Depository Institutions | $32.84M |
| Deposits Held in Domestic Offices | $301.94M |
Key Performance Ratios
| Return on Assets (ROA) | 0.86% |
| Return on Equity (ROE) | 9.7% |
| Net Interest Margin | 3.38% |
| Efficiency Ratio | 64.25% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.877% |
| Earning Assets to total Assets | 96.06% |
Income and Expense
| Total Interest Income | $4.66M |
| Total Noninterest Income | $276.00k |
| Total Interest Expense | $2.01M |
| Total Noninterest Expense | $1.88M |
| Net Interest Income | $2.65M |
| Pre-tax Net Operating Income | $956.00k |
| Provision for Credit Losses | $90.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $245.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $603.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $653.00k |
| Total Liabilities and Capital | $332.07M |
Securities
| Securities | $27.04M |
| Available-for-sale debt securities | $27.04M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of 1st Trust Bank, Inc.?
$332.07M as of the latest filing.
How much are 1st Trust Bank, Inc.'s total deposits?
$301.94M in total deposits.
Where is 1st Trust Bank, Inc. located?
Hazard, KY.
What is the Net Interest Margin?
3.38%.
How many domestic offices does it operate?
4.
When was it established?
12/13/2004.
What is the Return on Assets (ROA)?
0.86%.
How much are total loans and leases?
$261.16M (latest filing).
What is the total interest income (latest filing)?
$4.66M.