1st Trust Bank, Inc.: how it compares with its peers
Against 60 KY banks with half to twice its assets, 1st Trust Bank, Inc.'s strongest measure in Q2 2026 is assets per employee ($6.8M vs. a $5.9M peer median). Its weakest relative measure is return on assets (0.75% vs. 1.29%).
| Measure | 1st Trust Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.75% | 1.29% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.43% | 3.93% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.20% | 59.42% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $5.9M | Top third Ahead of 72% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.54% | 83.52% | Context |
What it means for lending operations
Its efficiency ratio of 68.20% is above the 59.42% 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
- United Southern Bank Hopkinsville, KY · $354M
- Citizens Deposit Bank of Arlington, Inc. Arlington, KY · $348M
- The First National Bank of Grayson Grayson, KY · $372M
- Kentucky Farmers Bank Corporation Catlettsburg, KY · $328M
- Citizens Bank & Trust Company Campbellsville, KY · $383M
- The Farmers Bank of Milton Milton, KY · $305M
Questions about 1st Trust Bank, Inc.
How big is 1st Trust Bank, Inc.?
1st Trust Bank, Inc., established in 2004, is headquartered in Hazard, KY. It reported $352M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is 1st Trust Bank, Inc.'s return on assets?
0.75% annualized in Q2 2026, against a 1.29% median for 60 KY banks with half to twice its assets, ahead of 12% of them.
What is 1st Trust Bank, Inc.'s efficiency ratio?
68.20% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 59.42%, and lower is better.
Is 1st Trust Bank, Inc. growing its loans?
Net loans grew 15.6% over the year to Q2 2026, while deposits grew 4.1%.
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.