🏦Bank Scorer

FIRST NATIONAL BANK OF KENTUCKY

FRANKFORT, KY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1934FDIC #29,937
Satisfactory Same

Current rating · Exam: September 2018

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.66%

Is this bank safe?

FIRST NATIONAL BANK OF KENTUCKY holds a Satisfactory CRA rating (2018), and meets basic financial requirements (ROA +0.66%).

Institution Profile

FDIC BankFind

Address

216 W Main St, FRANKFORT, KY

County

Franklin County

Established

January 1, 1934

Total Assets

$288M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 10, 2018

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$288M

Total Deposits

$214M

Net Loans

$251M

Net Income

$477K

ROA

0.66%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.29%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.66%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate13.25%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$219M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248377.11%13.25%
202310685.85%5.66%
201910473.08%16.35%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Sep 2018SatisfactorySmall Bank
Feb 2013SatisfactorySmall Bank
Sep 2007SatisfactorySmall Bank

3 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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