First Kentucky Bank, Inc.
Mayfield, KY
IDRSSD: 263243
Total Assets
$591.89M
Latest filing
Total Deposits
$509.92M
Latest filing
Net Interest Margin
3.45%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Kentucky Bank, Inc.
223 S 6th St
Mayfield, KY 42066
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1899FDIC Certificate 14693
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Kentucky Bank, Inc. (Main) | 223 S 6th St | Mayfield, KY |
| CUNNINGHAM BRANCH | 8141 Ushwy 62 | Cunningham, KY |
| DRIVE-UP FACILITY | 214 S 7th St | Mayfield, KY |
| GREENVILLE BRANCH | 145 N Main St | Greenville, KY |
| SOUTH OFFICE BRANCH | 1708 State Route 121 S | Mayfield, KY |
| CENTRAL CITY BRANCH | 109 N 2nd St | Central City, KY |
| DRAFFENVILLE BRANCH | 30 Us Highway 68 W | Benton, KY |
| BENTON BRANCH | 605 Main St | Benton, KY |
Showing 7 of 10
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 | 01/01/1899 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42066 |
| State and County Number | 21083 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| 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 | Mayfield, KY |
Operational Info
| Number of Employees | 111 |
| Domestic Offices | 11 |
| 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 | 09/24/1973 |
| Primary Insurance Agency | DIF |
| Website | www.firstkentucky.com |
| Data Updated | 11/14/2025 |
| CERT | 21247 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $591.89M |
| Total Deposits | $509.92M |
| Total Liabilities | $548.82M |
| Total Equity Capital | $43.07M |
| Net Income | $1.70M |
| Net Loans and Leases | $357.47M |
| Assets Per Employee ($Millions) | $5.33M |
| Bank Premises and Fixed Assets | $11.14M |
| Cash and Balances due from Depository Institutions | $18.58M |
| Deposits Held in Domestic Offices | $509.92M |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 16.22% |
| Net Interest Margin | 3.45% |
| Efficiency Ratio | 67.76% |
| Tier 1 Risk-Based Capital Ratio | 12.878% |
| 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 | 7.277% |
| Earning Assets to total Assets | 94.01% |
Income and Expense
| Total Interest Income | $7.32M |
| Total Noninterest Income | $1.05M |
| Total Interest Expense | $2.59M |
| Total Noninterest Expense | $3.92M |
| Net Interest Income | $4.73M |
| Pre-tax Net Operating Income | $1.70M |
| Provision for Credit Losses | $165.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.40M |
| Federal Funds Sold & Reverse Repurchase Agreement | $208.00k |
| Federal Funds Purchased and Repurchased Agreement | $18.68M |
| All Other Liabilities | $4.83M |
| Total Liabilities and Capital | $591.89M |
Securities
| Securities | $190.64M |
| Available-for-sale debt securities | $130.08M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $60.56M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Kentucky Bank, Inc.?
$591.89M as of the latest filing.
How much are First Kentucky Bank, Inc.'s total deposits?
$509.92M in total deposits.
Where is First Kentucky Bank, Inc. located?
Mayfield, KY.
What is the Net Interest Margin?
3.45%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1899.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$357.47M (latest filing).
What is the total interest income (latest filing)?
$7.32M.