First National Bank of Kentucky

Overview / Commentary

www.fnbkentucky.com

502-732-4406

604 Highland Avenue
Carrollton, KY 41008

First National Bank of Kentucky is headquartered in CARROLLTON and is the 72^nd largest bank in the state of Kentucky. It is also the 2,911^th largest bank in the nation. It was established in 1881 and as of June of 2024, it had grown to 44 employees at 6 locations. First National Bank of Kentucky's money market rates are 9X the national average, and it has an A health rating.

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Health

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	2735
Year Established	1881
Employees	44
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1%
Return on Equity - YTD	12.07%
Annual Interest Income	$5.7MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$219.3MM$197.8MM
Loans	Q2 2024vs Q2 2023	$171.5MM$154.7MM
Deposits	Q2 2024vs Q2 2023	$191.3MM$172.9MM
Equity Capital	Q2 2024vs Q2 2023	$18.1MM$16.3MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$2.3MM$2.1MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$944K$1MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Money Market
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank of Kentucky Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$0	-	Statement Saving
0.15%	$0	-	Christmas Club

First National Bank of Kentucky Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.82%	$25k	-	3 Month Premium Money Market Special - New Money
0.85%^*	$50k^*	-	Premium Money Market
OTHER TIERS: 0.10% → $2.5k - $5k \| 0.15% → $5k - $10k \| 0.25% → $10k - $25k \| 0.50% → $25k - $50k

First National Bank of Kentucky Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$100k	-	Indexed Account
0.15%^*	$2.5k^*	-	First NOW
OTHER TIERS: 0.01% → $0 - $1k \| 0.10% → $1k - $2.5k
0.15%	$0	-	Prime 55 Gold

Locations

First National Bank of Kentucky Locations
Highway 227 Branch	2639 Highway 227	Carrollton, KY 41008
The First National Bank Of Carrollton	604 Highland Ave	Carrollton, KY 41008
Crestwood Branch	7201 Kentucky Highway 329	Crestwood, KY 40014
Warsaw Branch	301 West Main Street	Warsaw, KY 41095
Ft. Wright Branch	2001 Dixie Highway	Ft. Wright, KY 41011

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