B
FNB Bank, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings FNB Bank, Inc.
Mayfield, KY
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Rating B
Asset Quality Index 6.90
Capitalization Index 6.70
Liquidity Index 2.60
Profitability Index 5.00
Stability Index 6.50
Company Info FNB Bank, Inc.
Mayfield, KY
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FDIC Number 2759
Phone Number (270) 247-1758
Website www.growwithfnb.com
Asset Quality FNB Bank, Inc.
Mayfield, KY
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1-Year Asset Growth 7.68%
5-Year Asset Growth 6.71%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.54%
Non-Performing Loans to Capital 0.96%
Non-Performing Loans to Loans 0.71%
Balance Sheet FNB Bank, Inc.
Mayfield, KY
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Total Assets 728.96M
Total Deposits 666.08M
Capital and Reserves FNB Bank, Inc.
Mayfield, KY
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Capital 58.58M
Leverage Ratio 8.67
Loan Loss Reserves to Loans 1.71%
Risk-Based Capital Ratio 13.17
Liquidity FNB Bank, Inc.
Mayfield, KY
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Hot Money Ratio 15.78%
Liquidity Ratio 17.30%
Profitability FNB Bank, Inc.
Mayfield, KY
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5-Year Return on Average Assets 1.00%
Net Income 5.37M
Net Interest Spread 3.38%
Operating Profit to Average Assets 1.31%
Overhead Efficiency Ratio 64.61%
Return on Assets 1.00%
Return on Equity 13.29%