FIRST NATIONAL BANK OF KENTUCKY
Total assets
$258.0M
▲ +10.6% YoY
Deposits
$227.6M
▲ +10.3% YoY
Loans
$202.4M
▲ +12.9% YoY
Offices
6
PORT WILLIAM BANCSHARES INC
ROA (annualized)
1.72%
peers 1.24%
ROE (annualized)
19.12%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +4.4% | +6.3 pts |
| Deposit growth (YoY) | +10.3% | +4.0% | +6.4 pts |
| Loan growth (YoY) | +12.9% | +5.6% | +7.3 pts |
| ROA | 1.72% | 1.24% | +0.5 pts |
| ROE | 19.1% | 11.9% | +7.3 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
Profile
- Established
- 1881
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- PORT WILLIAM BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 604 Highland Ave, Carrollton, KY, 41008
- County
- Carroll
- Offices
- 6
- FDIC cert #
- 2735
- RSSD ID
- 907444
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $258.0M | $227.6M | $202.4M | $23.4M | $2.2M | 1.72% | 4.36% | 0.54% |
| Q1 2026 | $257.1M | $227.3M | $200.5M | $22.9M | $903K | 1.45% | 4.25% | 0.56% |
| Q4 2025 | $242.4M | $213.6M | $198.7M | $22.1M | $2.5M | 1.06% | 4.18% | 0.61% |
| Q3 2025 | $235.7M | $207.3M | $188.5M | $21.3M | $1.9M | 1.12% | 4.15% | 0.63% |
| Q2 2025 | $233.3M | $206.3M | $179.3M | $19.8M | $1.2M | 1.08% | 4.16% | 0.16% |
| Q1 2025 | $231.7M | $204.2M | $173.0M | $20.3M | $566K | 0.99% | 4.03% | 0.24% |
| Q4 2024 | $225.2M | $198.7M | $169.8M | $19.2M | $2.4M | 1.09% | 3.95% | 0.15% |
| Q3 2024 | $216.3M | $189.0M | $171.0M | $19.6M | $1.8M | 1.08% | 3.97% | 0.22% |
Loan mix (Q2 2026): real estate $188.4M · commercial $13.2M · consumer $2.6M · securities $30.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 19.1% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.96% | 72th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 62.9% | 46th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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