C
First National Bank of Manchester
Rating Date
October 2025
Risk Based
Capital Ratio
15.16
Leverage
Ratio
9.50
Return On
Assets
0.77%
Total
Assets
227.67M
Capital
21.43M
Total
Deposits
205.05M
Net
Income
1.38M
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Weiss Ratings First National Bank of Manchester
Manchester, KY 		Click to
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Rating C
Asset Quality Index 4.70
Capitalization Index 7.80
Liquidity Index 1.40
Profitability Index 3.90
Stability Index 5.30
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 -5.31%
5-Year Asset Growth 14.30%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.44%
Non-Performing Loans to Capital 11.48%
Non-Performing Loans to Loans 0.61%
Balance Sheet First National Bank of Manchester
Manchester, KY 		Click to
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Total Assets 227.67M
Total Deposits 205.05M
Capital and Reserves First National Bank of Manchester
Manchester, KY 		Click to
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Capital 21.43M
Leverage Ratio 9.50
Loan Loss Reserves to Loans 1.43%
Risk-Based Capital Ratio 15.16
Liquidity First National Bank of Manchester
Manchester, KY 		Click to
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Hot Money Ratio 41.40%
Liquidity Ratio 13.59%
Profitability First National Bank of Manchester
Manchester, KY 		Click to
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5-Year Return on Average Assets 0.64%
Net Income 1.38M
Net Interest Spread 4.23%
Operating Profit to Average Assets 0.97%
Overhead Efficiency Ratio 77.46%
Return on Assets 0.77%
Return on Equity 8.96%