First Kentucky Bank Inc (FDIC #21247): Bank Stress & Real-Estate Credit Exposure

First Kentucky Bank Inc (FDIC Cert #21247): bank stress 73/100, elevated, STABLE over 7 days; parent EXCHANGE BANCSHARES INC.

First Kentucky Bank Inc (#21247) lends in 6 counties across 1 state; First Kentucky Bank Inc (#21247) reaches 65 ZIP codes: Kentucky 6 counties, 65 ZIPs.

First Kentucky Bank Inc (#21247) largest markets: Graves County, KY (54 branches, 18 ZIPs) (#21247), Muhlenberg County, KY (34 branches, 17 ZIPs) (#21247), Ohio County, KY (17 branches, 17 ZIPs) (#21247), Marshall County, KY (16 branches, 8 ZIPs) (#21247), Livingston County, KY (7 branches, 7 ZIPs) (#21247), Carlisle County, KY (8 branches, 4 ZIPs) (#21247).

First Kentucky Bank Inc (#21247) reports $585.6 million in total assets; First Kentucky Bank Inc (#21247) equity $45.2 million (7.7% of First Kentucky Bank Inc (#21247) assets); First Kentucky Bank Inc (#21247) domestic deposits $508.2 million; First Kentucky Bank Inc (#21247) net income $3.7 million; First Kentucky Bank Inc (#21247) return on assets 1.26%; First Kentucky Bank Inc (#21247) return on equity 16.63%; First Kentucky Bank Inc (#21247) net interest income $9.8 million; First Kentucky Bank Inc (#21247) call report June 30, 2026.

First Kentucky Bank Inc (#21247) noncurrent real-estate loans: none reported; First Kentucky Bank Inc (#21247) net charge-offs on real estate 0.26%; First Kentucky Bank Inc (#21247) residential charge-offs 0.42%.

First Kentucky Bank Inc (#21247) net interest margin 3.55% against an eight-quarter First Kentucky Bank Inc (#21247) average of 3.24% (First Kentucky Bank Inc (#21247) compression -0.31 points); First Kentucky Bank Inc (#21247) non-residential real estate 42.1% of equity; First Kentucky Bank Inc (#21247) rate-exposure score 40/100, First Kentucky Bank Inc (#21247) fixed-rate trap 40/100; First Kentucky Bank Inc (#21247) risk type credit driven; First Kentucky Bank Inc (#21247) rate regime rates elevated, First Kentucky Bank Inc (#21247) snapshot October 19, 2026.

First Kentucky Bank Inc (#21247) stress score moved from 73.5 on June 22, 2026 to 73.4 on October 19, 2026; First Kentucky Bank Inc (#21247) ranged 73.4 to 73.5 over 116 snapshots.

First Kentucky Bank Inc (#21247) alerts: 6 counties; top First Kentucky Bank Inc (#21247) alert scores: Beaver Dam County, KY 25 (low); Benton County, KY 25 (low); Cunningham County, KY 25 (low); Grand Rivers County, KY 25 (low); Greenville County, KY 25 (low).