The First National Bank of Brooksville: how it compares with its peers
Against 21 KY banks with half to twice its assets, The First National Bank of Brooksville's strongest measure in Q2 2026 is net interest margin (4.34% vs. a 4.12% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $4.7M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.72% | 0.87% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.34% | 4.12% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.45% | 72.06% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $4.7M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.36% | 79.35% | Context |
What it means for lending operations
Its efficiency ratio of 75.45% is above the 72.06% 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
- Security Bank and Trust Co. Maysville, KY · $72M
- Clinton Bank Clinton, KY · $70M
- Farmers State Bank Booneville, KY · $69M
- Farmers & Traders Bank of Campton Campton, KY · $67M
- First Federal Savings and Loan Association Hazard, KY · $81M
- Blue Grass Federal Savings and Loan Association Paris, KY · $59M
Questions about The First National Bank of Brooksville
How big is The First National Bank of Brooksville?
The First National Bank of Brooksville, established in 1907, is headquartered in Brooksville, KY. It reported $74M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The First National Bank of Brooksville's return on assets?
0.72% annualized in Q2 2026, against a 0.87% median for 21 KY banks with half to twice its assets, ahead of 29% of them.
What is The First National Bank of Brooksville's efficiency ratio?
75.45% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 72.06%, and lower is better.
Is The First National Bank of Brooksville growing its loans?
Net loans grew 2.1% over the year to Q2 2026, while deposits grew 4.4%.
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.