Hancock Bank & Trust Company
Our records indicate that this bank has been acquired by First Financial Bank, National Association.
Headquarters
220 Main St
Hawesville, KY 42348
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2026 Overview
General Bank Information
Hancock Bank & Trust Company is an FDIC insured institution located in Hawesville, KY. It was founded in 1888 and has approximately $0.33 billion in assets.
| FDIC Insured | Yes |
| FDIC Certificate | # 8128 |
| Date Established | 1888 |
| Assets | $ 333.78 million |
| Loans | $ 237.62 million |
| Deposits | $ 281.70 million |
| Capital | $ 33.92 million |
For a more detailed analysis of Hancock Bank & Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - October 24, 2026
Your Current Location: New York, NY 10116
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Loan Rates - October 24, 2026
Your Current Location: New York, NY 10116
There are currently no loan rates available for Hancock Bank & Trust Company
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Branches
Hancock Bank & Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
Hancock Bank & Trust Company Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|
Climate Policy and Initiatives
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Financial Details
Hancock Bank & Trust Company Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Hancock Bank & Trust Company. 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
| Hancock Bank & Trust Company | U.S. Bank Average |
|---|---|
| 1.65% | 6.04% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2026, Hancock Bank & Trust Company had $608,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $33,922,000 in equity and $2,883,000 in loans loss reserves. That gives it a Texas Ratio of 1.65%.
Return on Equity
| Hancock Bank & Trust Company | U.S. Bank Average |
|---|---|
| 5.36% | 11.52% |
Hancock Bank & Trust Company has a Return on Equity of 5.36% versus the BestCashCow average of 11.52%. 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.
Capitalization
| Hancock Bank & Trust Company | U.S. Bank Average |
|---|---|
| 10.16% | 11.94% |
Hancock Bank & Trust Company has a Capitalization of 10.16% versus the BestCashCow average of 11.94. 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.
Hancock Bank & Trust Company Balance Sheet Analysis
As of September 30, 2021, Hancock Bank & Trust Company had assets of $333,817,000, loans of $237,623,000, and deposits of $281,698,000. 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.
Summary Balance Sheet
June 30, 2026| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 11.40 million |
| Interest-bearing balances | $ 6.77 million |
| Total securities | $ 48.24 million |
| Federal funds sold and reverse repurchase | $ 12.62 million |
| Net loans and leases | $ 237.62 million |
| Loan loss allowance | $ 2.88 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 1.23 million |
| All other assets | $ 12.77 million |
| Total Assets | $ 299.90 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 281.70 million |
| Interest-bearing deposits | $ 217.71 million |
| Deposits held in domestic offices | $ 281.70 million |
| % insured (estimated) | 87.43% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 14.02 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 4.17 million |
| Total Liabilities | $ 299.90 million |
| Shareholders’ Equity | $ 33.88 million |
Summary Income Statement
June 30, 2026| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 8.69 million |
| Total Interest Expense | $ 1.68 million |
| Net interest income | $ 7.01 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 2.36 million |
| Total non interest expense | $ 8.11 million |
| Pre-tax Net Operating Income | $ 1.25 million |
Bank Loan Profile?
The top three loan types in Hancock Bank & Trust Company’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.
Compared to other banks in Kentucky, Hancock Bank & Trust Company has a significantly higher percent of Construction and Development Loans, Commercial Real Estate 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.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 30.71 | ✓ | ||
| Multifamily Mortgages |
4.51 | ✓ | ||
| Credit Card Loans | 0.07 | ✓ | ||
| Consumer Auto Loans | 0.52 | ✓ | ||
| Small Business Loans | 0.00 | ✓ | ||
| Construction and Development Loans | 10.22 | ✓ | ||
| Commercial Real Estate | 31.81 | ✓ | ||
| Commercial and Industrial Loans | 7.08 | ✓ | ||
| Farm Loans | 1.50 | ✓ | ||
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