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The First National Bank of Manchester

$100M-$1B Specialty: Commercial KY FDIC cert 2708

Manchester, KY

6 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits -0.4% year over year ($206.4M on the books).
  • Delinquency rate 1.64%.
  • Return on assets 0.99%.
  • Efficiency ratio 75.25% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

The First National Bank of Manchester has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 35.6% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 37.4% in tier
  • - ROA 0.33% below tier average
  • - Efficiency Ratio 10.77% above tier average
  • - Delinquency Rate 0.72% above tier average
Get updates when The First National Bank of Manchester releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $230.1M
+0.4% YoY -0.6% QoQ
-$156.4M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $155.2M
-0.9% YoY +0.7% QoQ
-$103.1M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $206.4M
-0.4% YoY -1.0% QoQ
-$120.3M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 0.99%
+19.8% YoY +0.4% QoQ
-0.33% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 4.64%
+10.3% YoY +0.8% QoQ
+0.65% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 75.25%
-1.0% YoY +1.6% QoQ
+10.77% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 1.64%
+7.3% YoY -25.2% QoQ
+0.72% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 75.19%
-0.5% YoY +1.7% QoQ
-2.76% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 42.86%
+3.1% YoY -5.8% QoQ
+20.83% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Top 3.3% in tier
Nonperforming Asset Ratio ? 1.11%
-13.8% YoY -24.1% QoQ
+0.44% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 14.52%
+4.3% YoY +0.7% QoQ
-1.39% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.23%
+2.5% YoY +95.1% QoQ
-0.34% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
58%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 42.9%
+1.3pp YoY
-2.7pp QoQ
 +20.7pp 22.1% 23.5% 22.2% 97%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 7.1%
-1.9pp YoY
-0.2pp QoQ
 -4.5pp 11.6% 8.6% 12.5% 33%
CRE 49.4%
-0.8pp YoY
+1.6pp QoQ
 +9.9pp 39.5% 37.1% 41.4% 69%
1-4 Family 39.3%
+4.3pp YoY
-1.2pp QoQ
 +6.7pp 32.6% 41.6% 31.3% 69%
Consumer 4.4%
-1.3pp YoY
-0.2pp QoQ
 +0.3pp 4.1% 4.8% 5.0% 74%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 14.5%
+0.6pp YoY
+0.1pp QoQ
 -4.3pp 18.8% 20.2% 19.7% 44%
Leverage Ratio 9.9%
+0.8pp YoY
+0.2pp QoQ
 -2.3pp 12.2% 14.0% 12.6% 28%
Total Capital Ratio 15.8%
+0.6pp YoY
+0.1pp QoQ
 -4.2pp 19.9% 21.3% 20.8% 45%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 51
+3 (+6.2%) YoY
+1 (+2.0%) QoQ
 -8 58 105 482 54%
Assets per Employee ($) $4.5M
-5.5% YoY
-2.5% QoQ
 -$3.0M $7.5M $6.3M $8.8M 8%
Branch Count 6
+1 (+20.0%) YoY
0 QoQ
 +1 4 8 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 1.1%
+0.1pp YoY
-0.6pp QoQ
 +0.8pp 0.3% 0.3% 0.4% 93%
Nonaccrual 0.5%
0.0pp YoY
+0.1pp QoQ
 -0.4pp 0.9% 0.8% 1.0% 54%
Allowance Coverage 0.86x
-7.9% YoY
+32.7% QoQ
 -23.29x 24.15x 7.45x 20.23x 23%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 61%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 10.4%
+0.6pp YoY
-0.1pp QoQ
 -1.8pp 12.2% 13.3% 11.6% 39%
Cost of Funds (YTD) 1.3%
-0.4pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 26%
Net Income ($, YTD) $1.1M
+15.8% YoY
— QoQ
 -$1.4M $2.6M $5.1M $40.4M 31%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#100 of 278 • Top 35.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 42.86%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.64%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Flatlined Growth

risk
#199 of 529 • Bottom 37.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.99%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

89
Non-Interest-Bearing Deposit Share
funding
Value: 42.86%
Peer Median: 22.03%
#89 of 2643 Top 3.3% in $100M-$1B
435
Net Interest Margin
profitability
Value: 4.64%
Peer Median: 3.99%
#435 of 2643 Top 16.4% in $100M-$1B

Top Weaknesses (3 metrics)

2189
Delinquency Rate
credit_quality
Value: 1.64%
Peer Median: 0.92%
#2189 of 2633 Bottom 16.9% in $100M-$1B
2170
Nonperforming Asset Ratio
credit_quality
Value: 1.11%
Peer Median: 0.67%
#2170 of 2643 Bottom 17.9% in $100M-$1B
2112
Efficiency Ratio
profitability
Value: 75.25%
Peer Median: 64.48%
#2112 of 2643 Bottom 20.1% in $100M-$1B
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