1st Trust Bank, Inc.

24 Commerce Drive
Hazard, KY 41701


General Bank Information

FDIC Insured Yes
FDIC Certificate # 57869
Date Established 2004
Assets $0.24 billion
Loans $0.19 billion
Deposits $0.22 billion
Capital $0.02 billion

1st Trust Bank, Inc. is an FDIC insured institution located in Hazard, KY. It was founded in 2004 and has approximately $0.24 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of 1st Trust Bank, Inc.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in 1st Trust Bank, Inc.’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Kentucky, 1st Trust Bank, Inc. has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.42
Credit Card Loans 0.00
Consumer Auto Loans 0.62
Small Business Loans 9.03
Construction and Development Loans 5.03
Commercial Real Estate 21.44
Commercial and Industrial Loans 54.92
Farm Loans 0.35

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K 0.25% $500 - Learn MoreShow Less
6 Mo CD 10K 0.50% $500 - Learn MoreShow Less
12 Mo CD 10K 0.80% $500 - Learn MoreShow Less
24 Mo CD 10K 1.01% $500 - Learn MoreShow Less
36 Mo CD 10K 1.11% $500 - Learn MoreShow Less
48 Mo CD 10K 1.26% $500 - Learn MoreShow Less
60 Mo CD 10K 1.51% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.50% $25 - Learn MoreShow Less
Fixed IRA 0K 0.80% $500 - Learn MoreShow Less
MM 10K 0.50% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K 0.50% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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1st Trust Bank, Inc. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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1st Trust Bank, Inc. Locations

Financial Details

1st Trust Bank, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Trust Bank, Inc.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
1st Trust Bank, Inc. U.S. Bank Average
22.81% 9.04%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of December 31, 2016, 1st Trust Bank, Inc. had $4,083,000 in non-current loans and $497,000 in owned real estate. To cover these potential losses it had $18,584,000 in equity and $1,494,000 in loans loss reserves. That gives it a Texas Ratio of 22.81%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
1st Trust Bank, Inc. U.S. Bank Average
3.67% 8.42%

1st Trust Bank, Inc. has a Return on Equity of 3.67% versus the BestCashCow average of 8.42%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

1st Trust Bank, Inc. U.S. Bank Average
7.77% 11.86%

1st Trust Bank, Inc. has a Capitalization of 7.77% versus the BestCashCow average of 11.86%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

1st Trust Bank, Inc. Balance Sheet Analysis

As of December 31, 2016, 1st Trust Bank, Inc. had assets of $239,240,000, loans of $189,704,000, and deposits of $217,047,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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