FIRST NATIONAL BANK OF KENTUCKY: how it compares with its peers
Against 63 KY banks with half to twice its assets, FIRST NATIONAL BANK OF KENTUCKY's strongest measure in Q2 2026 is return on assets (1.72% vs. a 1.35% peer median). Its weakest relative measure is efficiency ratio (61.61% vs. 59.47%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.72% | 1.35% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.36% | 4.02% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.61% | 59.47% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.1M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.92% | 82.83% | Context |
What it means for lending operations
Its efficiency ratio of 61.61% is above the 59.47% 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
- Bank of Hindman Hindman, KY · $260M
- Bank of Jamestown Jamestown, KY · $264M
- Citizens Bank Mount Vernon, KY · $250M
- Farmers Bank and Trust Company Princeton, KY · $248M
- Lewisburg Banking Company Lewisburg, KY · $246M
- Taylor County Bank Campbellsville, KY · $244M
Questions about FIRST NATIONAL BANK OF KENTUCKY
How big is FIRST NATIONAL BANK OF KENTUCKY?
FIRST NATIONAL BANK OF KENTUCKY, established in 1881, is headquartered in Carrollton, KY. It reported $258M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is FIRST NATIONAL BANK OF KENTUCKY's return on assets?
1.72% annualized in Q2 2026, against a 1.35% median for 63 KY banks with half to twice its assets, ahead of 78% of them.
What is FIRST NATIONAL BANK OF KENTUCKY's efficiency ratio?
61.61% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 59.47%, and lower is better.
Is FIRST NATIONAL BANK OF KENTUCKY growing its loans?
Net loans grew 12.9% over the year to Q2 2026, while deposits grew 10.3%.
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.