1st Trust Bank Inc (FDIC #57869): Bank Stress & Real-Estate Credit Exposure

1st Trust Bank Inc (FDIC Cert #57869): bank stress 80/100, severe, STABLE over 7 days.

1st Trust Bank Inc (#57869) lends in 3 counties across 1 state; 1st Trust Bank Inc (#57869) reaches 37 ZIP codes: Kentucky 3 counties, 37 ZIPs.

1st Trust Bank Inc (#57869) largest markets: Perry County, KY (48 branches, 24 ZIPs) (#57869), Laurel County, KY (8 branches, 8 ZIPs) (#57869), Madison County, KY (5 branches, 5 ZIPs) (#57869).

1st Trust Bank Inc (#57869) reports $351.7 million in total assets; 1st Trust Bank Inc (#57869) equity $30.8 million (8.7% of 1st Trust Bank Inc (#57869) assets); 1st Trust Bank Inc (#57869) domestic deposits $309.2 million; 1st Trust Bank Inc (#57869) net income $1.3 million; 1st Trust Bank Inc (#57869) return on assets 0.75%; 1st Trust Bank Inc (#57869) return on equity 8.59%; 1st Trust Bank Inc (#57869) net interest income $5.7 million; 1st Trust Bank Inc (#57869) call report June 30, 2026.

1st Trust Bank Inc (#57869) noncurrent real-estate loans: none reported; 1st Trust Bank Inc (#57869) net charge-offs on real estate 0.17%.

1st Trust Bank Inc (#57869) net interest margin 3.43% against an eight-quarter 1st Trust Bank Inc (#57869) average of 3.04% (1st Trust Bank Inc (#57869) compression -0.39 points); 1st Trust Bank Inc (#57869) rate-exposure score 40/100, 1st Trust Bank Inc (#57869) fixed-rate trap 40/100; 1st Trust Bank Inc (#57869) risk type credit driven; 1st Trust Bank Inc (#57869) rate regime rates elevated, 1st Trust Bank Inc (#57869) snapshot October 19, 2026.

1st Trust Bank Inc (#57869) stress score moved from 80.7 on June 22, 2026 to 79.9 on October 20, 2026; 1st Trust Bank Inc (#57869) ranged 79.9 to 80.7 over 117 snapshots.

1st Trust Bank Inc (#57869) alerts: 3 counties; top 1st Trust Bank Inc (#57869) alert scores: Hazard County, KY 26 (low); London County, KY 26 (low); Richmond County, KY 26 (low).