FNB Bank, Inc.
Mayfield, KY
IDRSSD: 400141
Total Assets
$750.43M
Latest filing
Total Deposits
$687.23M
Latest filing
Net Interest Margin
3.57%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
FNB Bank, Inc.
101 E Broadway
Mayfield, KY 42066
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1875FDIC Certificate 1796
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| FNB Bank, Inc. (Main) | 101 E Broadway | Mayfield, KY |
| WINGO BRANCH | 9606 Highway 45 S. | Wingo, KY |
| CADIZ BRANCH | 1197 Canton Rd | Cadiz, KY |
| MAYFIELD BANKING CENTER BRANCH | 310 Charles Dr | Mayfield, KY |
| LONE OAK BRANCH | 3445 Lone Oak Rd | Paducah, KY |
| MURRAY KY BRANCH | 1445 Lowes Dr | Murray, KY |
| MESSENGER SERVICE | 101 E Broadway | Mayfield, KY |
| MURRAY SOUTH | 611 S 12th St | Murray, 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 | 01/01/1875 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42066 |
| State and County Number | 21083 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | 120 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.growwithfnb.com |
| Data Updated | 01/30/2026 |
| CERT | 2759 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $750.43M |
| Total Deposits | $687.23M |
| Total Liabilities | $690.75M |
| Total Equity Capital | $59.68M |
| Net Income | $1.60M |
| Net Loans and Leases | $502.73M |
| Assets Per Employee ($Millions) | $6.15M |
| Bank Premises and Fixed Assets | $14.97M |
| Cash and Balances due from Depository Institutions | $59.14M |
| Deposits Held in Domestic Offices | $687.23M |
Key Performance Ratios
| Return on Assets (ROA) | 0.87% |
| Return on Equity (ROE) | 10.84% |
| Net Interest Margin | 3.57% |
| Efficiency Ratio | 64.52% |
| Tier 1 Risk-Based Capital Ratio | 11.89% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.953% |
| Earning Assets to total Assets | 95.21% |
Income and Expense
| Total Interest Income | $9.90M |
| Total Noninterest Income | $1.15M |
| Total Interest Expense | $3.62M |
| Total Noninterest Expense | $5.03M |
| Net Interest Income | $6.28M |
| Pre-tax Net Operating Income | $2.09M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $410.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.53M |
| Total Liabilities and Capital | $750.43M |
Securities
| Securities | $161.27M |
| Available-for-sale debt securities | $155.20M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $6.08M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of FNB Bank, Inc.?
$750.43M as of the latest filing.
How much are FNB Bank, Inc.'s total deposits?
$687.23M in total deposits.
Where is FNB Bank, Inc. located?
Mayfield, KY.
What is the Net Interest Margin?
3.57%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1875.
What is the Return on Assets (ROA)?
0.87%.
How much are total loans and leases?
$502.73M (latest filing).
What is the total interest income (latest filing)?
$9.90M.