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Overview / Commentary
761 Corporate Drive
Lexington, KY 40503

Bank of Lexington, Inc. is headquartered in Lexington and is the 64th largest bank in the state of Kentucky. It is also the 2,826th largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 47 employees at 3 locations. Bank of Lexington, Inc. has a A health rating.

Reviews (1)

Very Good Bank To Me

I would have to say I'm 35 years old,and never had an experienced at a bank like this one. Trying to buy a  home these day are horrible a course,but how about a investment home. This bank made it happen. I would have to say i'm very impressed. For me this bank is willing to try anything, I would say this is a good Bank.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of Lexington, Inc. had $1.24 million in non-current loans and owned real-estate with $23.14 million in equity and loan loss allowances on hand to cover it. This gives Bank of Lexington, Inc. a Texas Ratio of 5.34% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Lexington, Inc. experienced no significant changes from 1.32% as of March 31, 2013 to 5.34% as of March 31, 2014, resulting in a negative change of 304.26%. This indicates that the balance sheet and financial strength for Bank of Lexington, Inc. has had no significant changes in recent periods.

Deposit Growth


In the past year, Bank of Lexington, Inc. has increased its total deposits by $3.96 million, resulting in 2.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Lexington, Inc. has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Lexington, Inc. has $220.97 million in assets with $23.14 million in equity, resulting in a capitalization level of 10.47%, which is above average.

Institution Statistics

FDIC Certificate #58164
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$220.97 million
Loans$172.82 million
Deposits$180.65 million
Equity Capital$21.16 million
Loan Loss Allowance$1.98 million
Unbacked Noncurrent Loans$1.24 million
Real Estate Owned$0
Historic Data - March 2013
Assets$210.68 million
Equity Capital$19.32 million
Loan Loss Allowance$2.11 million
Unbacked Noncurrent Loans$1.24 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.73%
Return on Assets0.68%
Return on Equity7%
Interest Income$2.28 million
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Bank of Lexington, Inc. Savings Account Rates

0.35%$500-PreferredPlus Account
0.15%$50k-Plus Account
0.15%$100-Savings Account
0.15%$100-Choice Savings Account
0.15%$50k-"50" Account

Bank of Lexington, Inc. Money Market Rates

0.40%$100k-Money Market Account

Bank of Lexington, Inc. CD Rates

1.20%$500-60 Month CD
1.00%$500-48 Month CD
0.90%$500-30 Month CD Special
0.85%$500-36 Month CD
0.75%$500-24 Month CD
0.75%$500-30 Month CD
0.70%$500-18 Month CD Special
0.40%$500-12 Month CD
0.40%$500-15 Month CD
0.40%$500-18 Month CD
0.25%$500-6 Month CD
0.25%$500-9 Month CD
0.10%$500-3 Month CD

Bank of Lexington, Inc. IRA Rates

1.20%$500-60 Month IRA
1.00%$500-48 Month IRA
0.85%$500-36 Month IRA
0.75%$500-24 Month IRA
0.75%$500-30 Month IRA
0.40%$500-12 Month IRA
0.40%$500-15 Month IRA
0.40%$500-18 Month IRA
0.25%$500-6 Month IRA
0.25%$500-9 Month IRA

Bank of Lexington, Inc. Locations
Polo Club Branch6409 Polo Club LaneLexington, KY 40509
Bank Of Lexington, Inc.761 Corporate DriveLexington, KY 40503
Tates Creek Branch866 Malabu DriveLexington, KY 40502