# BANKTRUST FINANCIAL
HENDERSON, KY · FDIC certificate 35380 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $131.4M | |
| Deposits | $102.8M | |
| Loans and leases | $97.1M | |
| Total equity | $15.1M | |
| Loans / deposits | 93.32% (p87 of band) | 71.50% |
| Liquid assets / assets | 18.91% (p18 of band) | |
| Uninsured deposits / deposits | 8.91% (p29 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.43% (p82 of band) | |
| FHLB advances / assets | 7.86% | |
| Tier 1 leverage | 9.10% (p25 of band) | 10.45% |
| Unrealized securities loss / equity | 1.99% (p71 of band) | 0.49% |
| AOCI / equity | 1.41% (p50 of band) | |
| ROA (annualized) | 0.72% (p44 of band) | 0.81% |
| Net interest margin | 4.70% (p91 of band) | 3.66% |
| Efficiency ratio | 78.48% (p61 of band) | |
| Noncurrent loans | 1.74% (p73 of band) | 0.76% |
| Net charge-offs (annualized) | 0.09% (p64 of band) | |
| Reserve coverage of noncurrent | 68.24% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 34.57% (p71 of band) | |
| Auto loans | $818,000 (0.84% of loans; DQ 8.80%, NCO 0.05%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.7% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 2 | loans exceed deposits | charge-offs p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | loans exceed deposits |
| 2012-06 | 2 | loans exceed deposits |  |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 1 |  | loans exceed deposits, capital falling |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking |
| 2014-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2014-12 | 2 | capital falling |  |

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

- 2026-01-28 [Field & Main Bank to be acquired by Louisville’s Stock Yards Bank - The Hendersonian](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVlA0cUVBeURjVVpBc3E3VUhOYmJJMkZVQjhUeWdhUl80NXQ1Mjd2aVltX3IyNnNlcjZyRVBJT0c4Zi0xY1k1b0NldnA4ZXlfX1piQ1BWdXN5OFpVVEtYTENHcEhlWVFQUVBJNGxobDczM2xvVWV0bkRRNW83TEwtVWN1RDZhX2pxbjJKNmQ5MmhwZzh5REZ3?oc=5) · The Hendersonian
- 2019-05-02 [Marketplace for Sunday, May 5, 2019 - thegleaner.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNVlZTWGZzRF9aeXhWZ0FVSEljTzNHNlVCWjFIcGh3ZHFnb0N6Qzhrbi1fOG5OU3JDU19YS3o0NEppQUs2SUlNTDcwblh6VG5kNTY0cDVYYW41VVFTdU0zS3RZbDFrbEJZU0Y1STVLZkdya19NbHBrWG1JWEtqT1EtaFF4Z0h2QllFWlN6bTh2dVdLTHpNb0psdjQzZlFVUQ?oc=5) · thegleaner.com
- 2017-02-22 [Field & Main Bank opens innovative banking center in Cynthiana, Ky. - PR Newswire](https://news.google.com/rss/articles/CBMivAFBVV95cUxOOFhmZWRiQ1dFS040ZHR2ZjJXSF9TZ0lGak53ZzNkeU82SDVGRjd2ZGZLNzZKNWxxQURrSlNNeW1OTUxEZ3ZjZ3NUWDRPeGp6eWFsZHZHT25LblJNMzV3TWg3WkpKcE1GLTN3TzhKM253THRSaTBKTVlpTko3aFNWMGMwaDdtajBNTXhYdFI1cGtPTVN4R2psenhhalQ5YkQwajhCNXhqSEplVk0zUGVQVi0waUJKV1JzdjMwVA?oc=5) · PR Newswire
- 2018-01-04 [Field & Main welcomes Woods as Lexington Market President - PR Newswire](https://news.google.com/rss/articles/CBMisgFBVV95cUxNMlk3ZnhOaW1YNlQ2aUFZZWtTTXY1T1ZrT01fV21wakdrbzEwbGt0Ukt6Zkd2UFhVeG03LWdGRkd4OUhPcHJoUjVhbS1Na0R4MTJKVFF4WkVMU3pXN2pHTlRKN2dfeExTYm9jSXpiNVp6eW9YaWNaS09PRUlMSDBWYjZVWjBSVjBUR1BTTHpmTmZWVlg5YkhiaG1YQUZWdzFYYTR0RkRIRnNNejZrTDM0Qldn?oc=5) · PR Newswire
- 2018-01-10 [Field & Main promotes Kyle Hittner - PR Newswire](https://news.google.com/rss/articles/CBMikwFBVV95cUxOcklGRElhNHNjNEgyVVJWeDhVMXJETDJweFpUcVRFV21ZUzZaajJ3akpqTEIyUWlFZXdHMVo3Y0M5RFpTbWhNQkozN3ktUThwODVrVHpZMjNWNGV3ejdBTGp4ZmtRWjFNcXVtS1U0MEEtTnpXUzdQdHFLT2toN3NHMXd3U1E2a0p1X2pOdzlFdXJfZE0?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35380 (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/52.json (key "35380", 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.

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