First National Bank of Kentucky

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 74^th largest bank in the state of Kentucky. It is also the 2,852^nd largest bank in the nation. It was established in 1881 and as of March of 2025, it had grown to 45 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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	2735
Year Established	1881
Employees	45
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.99%
Return on Equity - YTD	11.46%
Annual Interest Income	$3.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$231.7MM$216.8MM
Loans	Q1 2025vs Q1 2024	$173MM$166.2MM
Deposits	Q1 2025vs Q1 2024	$204.2MM$191.1MM
Equity Capital	Q1 2025vs Q1 2024	$20.3MM$18MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.4MM$2.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$554K$576K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking

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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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