Bank of Lexington INC
Lexington, Kentucky · FDIC Cert #58164
This is the FDIC profile for Bank of Lexington INC, an FDIC-insured bank (Certificate #58164) with $342M in total assets and $277M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Lexington, Kentucky, the bank maintains a Tier 1 capital ratio of 16.84% (Well-Capitalized) and a nonperforming loan ratio of 0.04%. BankHealthData assigns a composite Health Grade of A (81/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Lexington INC (FDIC cert 58164) is a community bank — $342M in total assets, $277M in deposits, serving the Lexington, Kentucky area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 16.84% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.04% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 14.8% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.04% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Bank of Lexington INC carries a composite BankHealth grade of A (81/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Lexington INC
- Total Assets
- $342M
- Total Deposits
- $277M
- Tier 1 Capital Ratio
- 16.84%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.04%
- Liquidity Ratio
- 14.83%
- Return on Assets
- 1.04%
- Headquarters
- Lexington, Kentucky
- FDIC Certificate
- #58164
- Health Grade
- A (81/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bank of Lexington INC files quarterly Call Reports with the FDIC under Certificate #58164. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bank of Lexington INC holds a Tier 1 capital ratio of 16.84%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Lexington INC has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Lexington INC shows strong financial health indicators. With $342M in assets and a Health Score of 81/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Lexington INC Compares
Bank of Lexington INC’s Health Score of 81 is 0 points above the Kentucky state average of 81 across 103 FDIC-insured banks. Its 16.84% Tier 1 capital ratio is 2.8 points above the US banking industry average near 14%. The 0.04% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.04% is below the national ROA benchmark of ~1.1%. Among 1594 similarly-sized banks, the average Health Score is 80, meaning this bank ranks above its size cohort. Site-wide, Bank of Lexington INC is 1 points above the portfolio average of 80.
Frequently Asked Questions
Bank of Lexington INC has a Bank Health Score of A (81/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 16.84%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Lexington INC's Tier 1 capital ratio of 16.84% and nonperforming loan ratio of 0.04% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Lexington INC is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58164). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Lexington INC holds $342M in total assets and $277M in total deposits. It is headquartered in Lexington, Kentucky (FDIC Certificate #58164).
Bank of Lexington INC's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #58164 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bank of Lexington INC has a Tier 1 capital ratio of 16.84%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.04%, and the return on assets is 1.04%.
Yes. Bank of Lexington INC is FDIC-insured (Certificate #58164). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Lexington INC's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.