C
First National Bank of Manchester
Rating Date
August 2026
Risk Based
Capital Ratio
15.77
Leverage
Ratio
9.86
Return On
Assets
0.98%
Total
Assets
230.14M
Capital
22.62M
Total
Deposits
206.41M
Net
Income
1.14M
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Weiss Ratings First National Bank of Manchester
Manchester, KY 		Click to
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Rating C
Asset Quality Index 4.50
Capitalization Index 8.30
Liquidity Index 1.50
Profitability Index 5.00
Stability Index 5.80
Company Info First National Bank of Manchester
Manchester, KY 		Click to
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FDIC Number 2708
Phone Number (606) 598-6111
Website fnbmbank.com
Asset Quality First National Bank of Manchester
Manchester, KY 		Click to
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1-Year Asset Growth 0.44%
5-Year Asset Growth 7.12%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.47%
Non-Performing Loans to Capital 10.59%
Non-Performing Loans to Loans 0.68%
Balance Sheet First National Bank of Manchester
Manchester, KY 		Click to
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Total Assets 230.14M
Total Deposits 206.41M
Capital and Reserves First National Bank of Manchester
Manchester, KY 		Click to
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Capital 22.62M
Leverage Ratio 9.86
Loan Loss Reserves to Loans 1.39%
Risk-Based Capital Ratio 15.77
Liquidity First National Bank of Manchester
Manchester, KY 		Click to
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Hot Money Ratio 39.94%
Liquidity Ratio 9.60%
Profitability First National Bank of Manchester
Manchester, KY 		Click to
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5-Year Return on Average Assets 0.60%
Net Income 1.14M
Net Interest Spread 4.60%
Operating Profit to Average Assets 1.17%
Overhead Efficiency Ratio 75.25%
Return on Assets 0.98%
Return on Equity 10.38%