First Nb Of Kentucky (FDIC #2735): Bank Stress & Real-Estate Credit Exposure
First Nb Of Kentucky (FDIC Cert #2735): bank stress 59/100, moderate, STABLE over 7 days; parent PORT WILLIAM BANCSHARES INC.
First Nb Of Kentucky (#2735) lends in 5 counties across 1 state; First Nb Of Kentucky (#2735) reaches 39 ZIP codes: Kentucky 5 counties, 39 ZIPs.
First Nb Of Kentucky (#2735) largest markets: Kenton County, KY (12 branches, 12 ZIPs) (#2735), Oldham County, KY (11 branches, 11 ZIPs) (#2735), Boone County, KY (9 branches, 9 ZIPs) (#2735), Carroll County, KY (16 branches, 8 ZIPs) (#2735), Gallatin County, KY (6 branches, 6 ZIPs) (#2735).
First Nb Of Kentucky (#2735) reports $258.0 million in total assets; First Nb Of Kentucky (#2735) equity $23.4 million (9.1% of First Nb Of Kentucky (#2735) assets); First Nb Of Kentucky (#2735) domestic deposits $227.6 million; First Nb Of Kentucky (#2735) net income $2.2 million; First Nb Of Kentucky (#2735) return on assets 1.72%; First Nb Of Kentucky (#2735) return on equity 19.12%; First Nb Of Kentucky (#2735) net interest income $5.3 million; First Nb Of Kentucky (#2735) call report June 30, 2026.
First Nb Of Kentucky (#2735) noncurrent real-estate loans 0.01% of its book; First Nb Of Kentucky (#2735) net charge-offs on real estate 0.35%; First Nb Of Kentucky (#2735) residential charge-offs 0.65%.
First Nb Of Kentucky (#2735) net interest margin 4.36% against an eight-quarter First Nb Of Kentucky (#2735) average of 4.13% (First Nb Of Kentucky (#2735) compression -0.23 points); First Nb Of Kentucky (#2735) real-estate loans 1.0% of equity; First Nb Of Kentucky (#2735) non-residential real estate 65.0% of equity; First Nb Of Kentucky (#2735) rate-exposure score 40/100, First Nb Of Kentucky (#2735) fixed-rate trap 40/100; First Nb Of Kentucky (#2735) risk type credit driven; First Nb Of Kentucky (#2735) rate regime rates elevated, First Nb Of Kentucky (#2735) snapshot October 20, 2026.
First Nb Of Kentucky (#2735) stress score moved from 64.1 on June 22, 2026 to 59.4 on October 20, 2026; First Nb Of Kentucky (#2735) ranged 59.4 to 64.1 over 117 snapshots.
First Nb Of Kentucky (#2735) alerts: 5 counties; top First Nb Of Kentucky (#2735) alert scores: Carrollton County, KY 21 (low); Covington County, KY 21 (low); Crestwood County, KY 21 (low); Florence County, KY 21 (low); Warsaw County, KY 21 (low).