# FNB BANK INC
MAYFIELD, KY · FDIC certificate 2759 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $770.0M | |
| Deposits | $706.4M | |
| Loans and leases | $517.3M | |
| Total equity | $59.8M | |
| Loans / deposits | 71.97% (p29 of band) | 82.04% |
| Liquid assets / assets | 30.57% (p66 of band) | |
| Uninsured deposits / deposits | 17.24% (p19 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.48% (p5 of band) | 10.81% |
| Unrealized securities loss / equity | -17.12% (p27 of band) | -8.10% |
| AOCI / equity | -1.85% (p9 of band) | |
| ROA (annualized) | 1.23% (p47 of band) | 1.28% |
| Net interest margin | 3.52% (p29 of band) | 3.91% |
| Efficiency ratio | 56.70% (p35 of band) | |
| Noncurrent loans | 0.68% (p62 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p60 of band) | |
| Reserve coverage of noncurrent | 254.58% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 48.74% (p55 of band) | |
| Auto loans | $45.3M (8.75% of loans; DQ 0.86%, NCO 0.01%) | |
| Loans to nondepository financials | $6.3M (11% of equity) (p97 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 121 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | wholesale funding >15%, capital falling |  |
| 2014-12 | 0 |  | uninsured deposits leaving, wholesale funding >15%, capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 | uninsured deposits leaving | capital falling |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | capital falling | uninsured deposits leaving |
| 2017-09 | 3 | wholesale funding >15%, uninsured deposits leaving |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | wholesale funding >15% |
| 2018-06 | 2 | wholesale funding >15% | capital falling |
| 2018-09 | 1 |  | uninsured deposits leaving |
| 2018-12 | 1 | capital falling | wholesale funding >15% |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | capital falling | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | capital falling |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-05-02 [FNB Bank of Romney, West Virginia, honors long-time board member Shanholtz - WV News](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOS2o0NE1OUHc1dXdkY2JEUVRMd3ptOHVNOVgxUWs1MVFubXdHdDZDT1dmR0tiOUZ6aGJDUUVaVG9CWmNFeXpVXzlLa3YwY3dxOUc4UUlfSU0ySWcxS082SlY4ZlF1cEVQYzVRRTRtUUQtdzI2NXRrZVA5QUZ1LTZjNGptQUkwSWVpSGQzbGEzMHpEOTYwWVVvNjBsd2lkUF9WMkRNVDBuU0R5TExJQzQ0cEtxUDRKS1QtY1NBblVuenNaRFEwRU1GTms1NWRLQ2hkN3gwemVUa2c5Y0JyaGN6SGNfZnFOYjR4b0ZEcGVR?oc=5) · WV News
- 2025-04-08 [Best Banks and Credit Unions in Kentucky 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxNTVVxU1FqVnNUTWZVeVVDR2F4LXdEc2lENW1DWHM5RGRSaXgyQWd1elNLVzd6LW9TTnpNOEhhNkVxczJUbm1CLVN4TG5wdHk1bWVKMThCU0lvenhmQVZNLUgyTjM2LUY4ZEluVGJjQV9yR0RHR3lQZ1RFUnlTY0pSWExkdnFmTHJIMzA5Tk5HMA?oc=5) · Newsweek Rankings
- 2026-07-29 [758964121_2132298843996248_1156209880359101070_n.jpg - The Paducah Sun](https://news.google.com/rss/articles/CBMixgFBVV95cUxPdE9lU0QzOU9LN3A3TXU1emo2QmVBOFZ1dzZNZ1pzSUZ1b2I5LTNjU3pOUmRlSEFYakw5b1pNeW91ajItbDQwdUxPbV9fVndQNjN2MlpwbVFWWlhHb21MS2RLMjVVYmdpSWs2eWtrVEVVS3lSenQ1THppakd5cGs1TFVVNzBxeVpQUzhCTklQdUlGTmpOdTVrS2lGZG9HWlZlXy1mSXgyZS0yd0x5T3hNTm5tSHlOUFdnd1A4MjQxYWs2QkhTTFE?oc=5) · The Paducah Sun
- 2026-01-28 [Leadership West Kentucky Announces Class No. 4 - WKDZ](https://news.google.com/rss/articles/CBMimAFBVV95cUxPQml0aTFhWkJGUUpyQjdoRmR3bXhjWG1mZzBub1YyMVRIQWd5Yy1XWVhwYnYzWEJQUHYzMmp1ZEtfVHlQQkNGeHdXbUpYUVdfSE5rWExLOVlDOU1GeVZvSS0yclIya2I5NGJCSGFrczdSekxQcWlWM2V1VW5LT2cxMFotcWZydTF3YW9rUTVMTUlpRHlVcFMwdg?oc=5) · WKDZ
- 2026-01-28 [Leadership West Kentucky Announces 4th Class Participants - WPKY](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQWUlCSFFuM0h1azlCRm5fY1NHWWE2YXlhNTA1c1JTV1ROYjFHWnRGczlKZUllRFNncFpFcHJrM3hOaUVmbDVmOUluSHR6NUc5YXY3eDBWMVBLVlNnSUZGa1RURU9oTTc1V1o1MlhwLVBYOTNuMFdBdTVfSGtDUWVlSnF3TXRJNWJrMkZUdmQwbkc2elkyLXc1VUtBTEVoU08waFNqVnVEVWNiZw?oc=5) · WPKY
- 2022-08-22 [West Kentucky Regional Job Fair set for Aug. 23 | News - WPSD Local 6](https://news.google.com/rss/articles/CBMixwFBVV95cUxNSGdQMmhmeE9MN0tmdENjdkVOOFZtT2M1RGtZbmd0bVl1RTFqa3RpdlBlemV1bl9JN1R1TEV0eE1BbTlraUd4ZGo2UUlSR0ZSbWFqU0JwTDFEdHJQOXZWdHlEVDVKaE8yRGZOOEhJMmJMMzdNcWQ4aUhMRVlfNGJqSXdGV0ZJZEQ4X1duLV9fYlM1OWtmOGo1ajJlVVc2TUctRHBKd0gzcWVqNnoyYTluYTZ0TkM4RmlQb0dKM01GR3BBTXBVZm1N?oc=5) · WPSD Local 6
- 2019-03-19 [[Update: And now 15 more] Google Pay adds support for 62 new banks and credit unions in the US - androidpolice.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPdmxZRXZOelQ1UXgwVnVQNEpDTWFuOVl5SXExa3VXZmtzWlFoM2pOQjhqanNuQXJESU9TU3lyMENTdGFtN19JaWpZZ1pwYjhiemE5TUV3U0RvT0NzeGxtVDVMMUtpZ0NWYk54Y20zLWRxV0lqbUZEWlFIdmxyRUJieloxOGlNeFVLNlhMY2VOaUFXN3M1T3hTRGdCZzU3MnJHaUNFTUpfSC04T2ZBRy1v?oc=5) · androidpolice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2759 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "2759", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide