Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hazard, KY · FDIC certificate #57869
1ST TRUST BANK INC is an FDIC-insured institution based in Hazard, KY (FDIC certificate #57869). In its Q3 2026 Call Report it reported total assets of $367M, total deposits of $323M and net loans of $305M. Its primary federal regulator is FDIC.
Plain-language readout
1ST TRUST BANK INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $367M in Q3 2026 and were lowest at $346M in Q1 2026.
Total deposits were highest at $323M in Q3 2026 and lowest at $302M in Q1 2026.
Over the whole period total assets rose 6.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $367M | $323M | $305M | 0.82% | 9.42% | 3.46% |
| Q2 2026 | $352M | $309M | $295M | 0.75% | 8.59% | 3.43% |
| Q1 2026 | $346M | $302M | $277M | 0.65% | 7.38% | 3.34% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $21.3M | $32.5M | -$11.2M | -34.6% |
| Federal funds sold | $613K | $608K | +$5K | +0.8% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $24.0M | $25.7M | -$1.8M | -6.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $295.4M | $276.5M | +$18.9M | +6.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.0M | $7.0M | -$48K | -0.7% |
| Other real estate owned | $50K | $50K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.5M | $3.5M | +$23K | +0.7% |
| Total assets | $351.7M | $345.9M | +$5.8M | +1.7% |
| Liabilities | ||||
| Total deposits | $309.2M | $302.0M | +$7.1M | +2.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $11.0M | $13.0M | -$2.0M | -15.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $795K | $956K | -$161K | -16.8% |
| Total liabilities | $320.9M | $316.0M | +$5.0M | +1.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $9.2M | $9.2M | $0K | 0.0% |
| Surplus | $6.0M | $6.0M | $0K | 0.0% |
| Retained earnings | $17.3M | $16.5M | +$743K | +4.5% |
| Accumulated other comprehensive income | -$1.8M | -$1.8M | +$72K | +3.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $30.8M | $30.0M | +$815K | +2.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $492K | $2.7M | -$2.2M | -81.7% |
| Adjusted nonperforming assets | $492K | $2.7M | -$2.2M | -81.7% |
| Tangible equity plus allowance | $32.8M | $31.8M | +$965K | +3.0% |
| Texas ratio (gross) | 1.50% | 8.45% | -6.95 pts | See points |
| Texas ratio (adjusted) | 1.50% | 8.45% | -6.95 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.58% | 12.69% | -7.11 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.65% | 9.61% | +0.04 pts | See points |
| Construction and land loans to total capital | 103.88% | 99.71% | +4.17 pts | See points |
| Commercial real estate to total capital | 343.95% | 317.65% | +26.30 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.28% | -7.75% | +0.47 pts | See points |
| Liquidity | ||||
| Core deposits | $195.4M | $204.5M | -$9.1M | -4.4% |
| Non-core funding | $124.7M | $110.5M | +$14.2M | +12.9% |
| Loans to core deposits | 152.18% | 136.12% | +16.06 pts | See points |
| Loans to deposits | 96.20% | 92.19% | +4.02 pts | See points |
| Brokered deposits share of deposits | 8.61% | 1.74% | +6.87 pts | See points |
| Pledged securities share of securities | 67.64% | 62.86% | +4.79 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $124.7M | $110.5M | +$14.2M | +12.9% |
| Earnings | ||||
| Earnings before provision, year to date | $2.0M | $832K | +$1.1M | +135.0% |
| Earnings before provision, single quarter | $1.1M | $832K | +$291K | +35.0% |
| Provision for credit losses, year to date | $250K | $90K | +$160K | +177.8% |
| Yield and cost | ||||
| Yield on loans and leases | 6.49% | 6.35% | +0.14 pts | See points |
| Yield on interest-bearing balances due from banks | 3.38% | 3.45% | -0.06 pts | See points |
| Total interest income to average assets | 5.84% | 5.62% | +0.22 pts | See points |
| Cost of interest-bearing transaction accounts | 1.71% | 1.72% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.85% | 0.79% | +0.06 pts | See points |
| Cost of time deposits | 3.85% | 3.89% | -0.05 pts | See points |
| Total interest expense to average assets | 2.35% | 2.33% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $367M | $323M | $305M | 0.82% | 9.42% | 3.46% |
| 2026-06-30 | $352M | $309M | $295M | 0.75% | 8.59% | 3.43% |
| 2026-03-31 | $346M | $302M | $277M | 0.65% | 7.38% | 3.34% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $297.1M | 0.24% | 74 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.