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FNB Bank, Inc.

$100M-$1B Specialty: Commercial KY FDIC cert 2759

Mayfield, KY

11 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

FNB Bank, Inc. has 2 strengths but faces 2 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

  • + Efficiency Ratio 10.08% below tier average
  • + Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 43.2% in tier
  • - Net Interest Margin 0.47% below tier average
Get updates when FNB Bank, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $765.9M
+8.1% YoY +2.1% QoQ
+$379.8M $386.1M
+0.5% YoY
$702.0M
+4.4% YoY
$6.2B
+9.1% YoY
Top 9.8% in tier
Total Loans ? $496.3M
+5.2% YoY -1.3% QoQ
+$240.6M $255.7M
+1.1% YoY
$492.7M
+5.5% YoY
$3.2B
+10.8% YoY
Top 11.3% in tier
Total Deposits ? $702.2M
+7.8% YoY +2.2% QoQ
+$374.3M $328.0M
+0.1% YoY
$590.5M
+4.1% YoY
$4.8B
+8.2% YoY
Top 6.6% in tier
Return on Assets ? 1.31%
+24.0% YoY +34.9% QoQ
+0.04% 1.27%
+12.9% YoY
1.25%
+16.2% YoY
1.23%
+13.4% YoY
56%
Net Interest Margin ? 3.46%
+4.6% YoY -0.2% QoQ
-0.47% 3.93%
+6.0% YoY
3.88%
+7.4% YoY
3.89%
+5.7% YoY
29%
Efficiency Ratio ? 55.21%
-8.9% YoY -11.0% QoQ
-10.08% 65.29%
-4.5% YoY
64.22%
-6.1% YoY
66.95%
-4.1% YoY
73%
Delinquency Rate ? 0.69%
+327.0% YoY +317.1% QoQ
-0.20% 0.89%
+18.8% YoY
0.89%
+17.0% YoY
0.95%
+18.8% YoY
37%
Loan-to-Deposit Ratio ? 70.68%
-2.4% YoY -3.4% QoQ
-5.96% 76.64%
+0.8% YoY
80.71%
+1.5% YoY
76.70%
+0.9% YoY
65%
Non-Interest-Bearing Deposit Share ? 27.19%
-5.3% YoY +0.3% QoQ
+5.17% 22.02%
-1.0% YoY
23.47%
-1.8% YoY
22.01%
-1.2% YoY
74%
Nonperforming Asset Ratio ? 0.50%
+176.7% YoY +202.1% QoQ
-0.14% 0.64%
+19.7% YoY
0.61%
+22.3% YoY
0.67%
+19.3% YoY
38%
Tier 1 Capital Ratio ? 12.26%
+4.9% YoY +3.1% QoQ
-3.57% 15.83%
+1.5% YoY
14.97%
-0.1% YoY
17.06%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.23%
+23.3% YoY -64.4% QoQ
-0.05% 0.28%
+9.3% YoY
0.16%
+4.4% YoY
0.32%
+4.1% YoY
Top 10.7% in tier

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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#421 of 973 • Bottom 43.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

177
Total Deposits
size
Value: $702.23M
Peer Median: $327.97M
#177 of 2664 Top 6.6% in $100M-$1B
263
Total Assets
size
Value: $765.90M
Peer Median: $386.08M
#263 of 2664 Top 9.8% in $100M-$1B
285
Non-Interest Income / Assets
revenue_mix
Value: 0.23%
Peer Median: 0.28%
#285 of 2664 Top 10.7% in $100M-$1B
301
Total Loans
size
Value: $496.32M
Peer Median: $255.72M
#301 of 2664 Top 11.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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