The First National Bank of Manchester
Manchester, KY
IDRSSD: 719610
Total Assets
$229.07M
Latest filing
Total Deposits
$206.23M
Latest filing
Net Interest Margin
4.49%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042105442MANCHESTER, KY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Manchester
120 Town Branch Rd
Manchester, KY 40962
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/05/1905FDIC Certificate 1750
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Manchester (Main) | 120 Town Branch Rd | Manchester, KY |
| THE MANCHESTER SQUARE BRANCH | Daniel Boone Parkway And Highways 421 And 80 | Manchester, KY |
| 1211 WEST FIFTH STREET LONDON OFFICE BRANCH | 1211 W 5th St | London, KY |
| PARK VALLEY BRANCH | 2770 S Hwy 421 | Manchester, KY |
| LEXINGTON BRANCH | 212 Southland Drive | Lexington, KY |
Showing 4 of 4
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 | 02/05/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40962 |
| State and County Number | 21051 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| 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 | London, KY |
Operational Info
| Number of Employees | 46 |
| Domestic Offices | 5 |
| 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.fnbmbank.com |
| Data Updated | 01/30/2026 |
| CERT | 2708 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $229.07M |
| Total Deposits | $206.23M |
| Total Liabilities | $207.44M |
| Total Equity Capital | $21.63M |
| Net Income | $17.00k |
| Net Loans and Leases | $154.12M |
| Assets Per Employee ($Millions) | $4.77M |
| Bank Premises and Fixed Assets | $6.06M |
| Cash and Balances due from Depository Institutions | $27.65M |
| Deposits Held in Domestic Offices | $206.23M |
Key Performance Ratios
| Return on Assets (ROA) | 0.03% |
| Return on Equity (ROE) | 0.32% |
| Net Interest Margin | 4.49% |
| Efficiency Ratio | 99.62% |
| Tier 1 Risk-Based Capital Ratio | 13.986% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.444% |
| Earning Assets to total Assets | 93.34% |
Income and Expense
| Total Interest Income | $3.19M |
| Total Noninterest Income | $247.00k |
| Total Interest Expense | $804.00k |
| Total Noninterest Expense | $2.62M |
| Net Interest Income | $2.39M |
| Pre-tax Net Operating Income | $10.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $52.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.20M |
| Total Liabilities and Capital | $229.07M |
Securities
| Securities | $36.59M |
| Available-for-sale debt securities | $36.59M |
| 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 The First National Bank of Manchester?
$229.07M as of the latest filing.
How much are The First National Bank of Manchester's total deposits?
$206.23M in total deposits.
Where is The First National Bank of Manchester located?
Manchester, KY.
What is the Net Interest Margin?
4.49%.
How many domestic offices does it operate?
5.
When was it established?
02/05/1905.
What is the Return on Assets (ROA)?
0.03%.
How much are total loans and leases?
$154.12M (latest filing).
What is the total interest income (latest filing)?
$3.19M.