FIRST NATIONAL BANK OF KENTUCKY
Carrollton, KY
IDRSSD: 907444
Total Assets
$235.69M
Latest filing
Total Deposits
$207.26M
Latest filing
Net Interest Margin
4.14%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
FIRST NATIONAL BANK OF KENTUCKY
604 Highland Ave
Carrollton, KY 41008
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1881FDIC Certificate 1775
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| FIRST NATIONAL BANK OF KENTUCKY (Main) | 604 Highland Ave | Carrollton, KY |
| HIGHWAY 227 BRANCH | 2639 Highway 227 | Carrollton, KY |
| CRESTWOOD BRANCH | 7201 Kentucky Highway 329 | Crestwood, KY |
| WARSAW BRANCH | 301 W Main St | Warsaw, KY |
| FT. WRIGHT BRANCH | 2001 Dixie Hwy | Ft. Wright, KY |
| FLORENCE BRANCH | 8545 Us Highway 42 | Florence, KY |
Showing 5 of 5
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1881 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41008 |
| State and County Number | 21041 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 3 |
| 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 | 47 |
| Domestic Offices | 6 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbkentucky.com |
| Data Updated | 11/14/2025 |
| CERT | 2735 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $235.69M |
| Total Deposits | $207.26M |
| Total Liabilities | $214.40M |
| Total Equity Capital | $21.29M |
| Net Income | $705.00k |
| Net Loans and Leases | $188.50M |
| Assets Per Employee ($Millions) | $5.24M |
| Bank Premises and Fixed Assets | $5.13M |
| Cash and Balances due from Depository Institutions | $13.89M |
| Deposits Held in Domestic Offices | $207.26M |
Key Performance Ratios
| Return on Assets (ROA) | 1.2% |
| Return on Equity (ROE) | 13.72% |
| Net Interest Margin | 4.14% |
| Efficiency Ratio | 69.09% |
| Tier 1 Risk-Based Capital Ratio | 12.166% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.034% |
| Earning Assets to total Assets | 95.52% |
Income and Expense
| Total Interest Income | $3.43M |
| Total Noninterest Income | $386.00k |
| Total Interest Expense | $1.11M |
| Total Noninterest Expense | $1.87M |
| Net Interest Income | $2.32M |
| Pre-tax Net Operating Income | $704.00k |
| Provision for Credit Losses | $132.00k |
| 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 | $5.93M |
| Federal Funds Sold & Reverse Repurchase Agreement | $289.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.20M |
| Total Liabilities and Capital | $235.69M |
Securities
| Securities | $26.40M |
| Available-for-sale debt securities | $25.28M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.12M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of FIRST NATIONAL BANK OF KENTUCKY?
$235.69M as of the latest filing.
How much are FIRST NATIONAL BANK OF KENTUCKY's total deposits?
$207.26M in total deposits.
Where is FIRST NATIONAL BANK OF KENTUCKY located?
Carrollton, KY.
What is the Net Interest Margin?
4.14%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1881.
What is the Return on Assets (ROA)?
1.2%.
How much are total loans and leases?
$188.50M (latest filing).
What is the total interest income (latest filing)?
$3.43M.