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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Brooksville, KY · FDIC certificate #2682
FIRST NB OF BROOKSVILLE is an FDIC-insured institution based in Brooksville, KY (FDIC certificate #2682). In its Q3 2026 Call Report it reported total assets of $72M, total deposits of $63M and net loans of $41M. Its primary federal regulator is OCC.
Plain-language readout
FIRST NB OF BROOKSVILLE has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $74M in Q1 2026 and were lowest at $72M in Q3 2026.
Total deposits were highest at $66M in Q1 2026 and lowest at $63M in Q3 2026.
Over the whole period total assets fell 2.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $72M | $63M | $41M | 0.97% | 8.80% | 4.45% |
| Q2 2026 | $74M | $65M | $41M | 0.72% | 6.49% | 4.34% |
| Q1 2026 | $74M | $66M | $40M | 1.06% | 9.58% | 4.32% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.5M | $2.7M | +$809K | +30.3% |
| Federal funds sold | $1.3M | $2.5M | -$1.2M | -47.1% |
| 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) | $25.6M | $26.7M | -$1.1M | -4.3% |
| 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) | $41.3M | $40.5M | +$811K | +2.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $981K | $921K | +$60K | +6.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| 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 | $1.0M | $1.1M | -$66K | -6.1% |
| Total assets | $73.7M | $74.3M | -$684K | -0.9% |
| Liabilities | ||||
| Total deposits | $65.2M | $65.8M | -$649K | -1.0% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $340K | $371K | -$31K | -8.4% |
| Total liabilities | $65.5M | $66.2M | -$680K | -1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $2.0M | $2.0M | $0K | 0.0% |
| Retained earnings | $5.5M | $5.5M | +$32K | +0.6% |
| Accumulated other comprehensive income | -$407K | -$371K | -$36K | -9.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $8.1M | $8.1M | -$4K | -0.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $480K | $218K | +$262K | +120.2% |
| Adjusted nonperforming assets | $441K | $177K | +$264K | +149.2% |
| Tangible equity plus allowance | $8.6M | $8.6M | -$4K | -0.0% |
| Texas ratio (gross) | 5.60% | 2.54% | +3.06 pts | See points |
| Texas ratio (adjusted) | 5.14% | 2.06% | +3.08 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.65% | 2.58% | +3.08 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) | 11.53% | 11.39% | +0.14 pts | See points |
| Construction and land loans to total capital | 15.83% | 18.93% | -3.11 pts | See points |
| Commercial real estate to total capital | 21.09% | 24.34% | -3.25 pts | See points |
| Dividend payout, year to date | 28.03% | 18.97% | +9.06 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.76% | -4.36% | -0.41 pts | See points |
| Liquidity | ||||
| Core deposits | $63.8M | $64.7M | -$917K | -1.4% |
| Non-core funding | $1.4M | $1.1M | +$268K | +23.3% |
| Loans to core deposits | 65.46% | 63.28% | +2.18 pts | See points |
| Loans to deposits | 64.04% | 62.18% | +1.86 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 87.09% | 76.27% | +10.81 pts | See points |
| Loans pledged, share of loans | 61.28% | 59.63% | +1.64 pts | See points |
| Volatile liabilities | $1.4M | $1.1M | +$268K | +23.3% |
| Earnings | ||||
| Earnings before provision, year to date | $409K | $194K | +$215K | +110.8% |
| Earnings before provision, single quarter | $215K | $194K | +$21K | +10.8% |
| Provision for credit losses, year to date | $145K | -$1K | +$146K | +14600.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.60% | 6.77% | -0.17 pts | See points |
| Yield on interest-bearing balances due from banks | 2.22% | 2.49% | -0.27 pts | See points |
| Total interest income to average assets | 4.96% | 4.90% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 1.29% | 1.29% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.91% | 0.93% | -0.02 pts | See points |
| Cost of time deposits | 2.57% | 2.48% | +0.09 pts | See points |
| Total interest expense to average assets | 0.87% | 0.86% | +0.01 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 | $72M | $63M | $41M | 0.97% | 8.80% | 4.45% |
| 2026-06-30 | $74M | $65M | $41M | 0.72% | 6.49% | 4.34% |
| 2026-03-31 | $74M | $66M | $40M | 1.06% | 9.58% | 4.32% |
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 | $62.4M | 0.05% | 135 | Continuing · -0.01 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.