First Kentucky Bank, Inc.: how it compares with its peers
Against 46 KY banks with half to twice its assets, First Kentucky Bank, Inc.'s strongest measure in Q2 2026 is return on assets (1.26% vs. a 1.31% peer median). Its weakest relative measure is efficiency ratio (67.40% vs. 57.67%).
| Measure | First Kentucky Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 1.31% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 3.89% | Bottom third Ahead of 28% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.40% | 57.67% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $6.2M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.18% | 85.13% | Context |
What it means for lending operations
Its efficiency ratio of 67.40% is above the 57.67% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First United Bank and Trust Company Madisonville, KY · $591M
- Peoples Bank of Kentucky, Inc. Flemingsburg, KY · $565M
- Hearthside Bank Corporation Middlesboro, KY · $609M
- Peoples Exchange Bank Winchester, KY · $610M
- West Point Bank Radcliff, KY · $561M
- Magnolia Bank, Incorporated Elizabethtown, KY · $546M
Questions about First Kentucky Bank, Inc.
How big is First Kentucky Bank, Inc.?
First Kentucky Bank, Inc., established in 1899, is headquartered in Mayfield, KY. It reported $586M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is First Kentucky Bank, Inc.'s return on assets?
1.26% annualized in Q2 2026, against a 1.31% median for 46 KY banks with half to twice its assets, ahead of 46% of them.
What is First Kentucky Bank, Inc.'s efficiency ratio?
67.40% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 57.67%, and lower is better.
Is First Kentucky Bank, Inc. growing its loans?
Net loans grew 1.3% over the year to Q2 2026, while deposits grew 0.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.