First Kentucky Bank Inc: Bank Stress & Real-Estate Credit Exposure

Bank stress at First Kentucky Bank Inc (FDIC Cert #21247) registers 73/100 on DLRadar's scale — a elevated reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. First Kentucky Bank Inc's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. At the county level, First Kentucky Bank Inc finances markets like Graves County, KY, Muhlenberg County, KY, Ohio County, KY, Marshall County, KY — the specific places where its credit posture translates into local lending capacity. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 65 ZIP codes First Kentucky Bank Inc lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. DLRadar maps First Kentucky Bank Inc into 6 counties (65 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Kentucky (6 counties). Because First Kentucky Bank Inc is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 73/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Because First Kentucky Bank Inc is held under Exchange Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. A elevated score on a footprint this size means the markets First Kentucky Bank Inc touches inherit a corresponding share of that lending pressure.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When First Kentucky Bank Inc tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.