First Nb of Manchester
Manchester, Kentucky · FDIC Cert #2708
This is the FDIC profile for First Nb of Manchester, an FDIC-insured bank (Certificate #2708) with $216M in total assets and $195M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Manchester, Kentucky, the bank maintains a Tier 1 capital ratio of 13.46% (Well-Capitalized) and a nonperforming loan ratio of 0.98%. 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.
First Nb of Manchester (FDIC cert 2708) is a community bank — $216M in total assets, $195M in deposits, serving the Manchester, 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 13.46% 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 normal: non-performing loan ratio of 0.98% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 24.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.13% 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 essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First Nb of Manchester 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: First Nb of Manchester
- Total Assets
- $216M
- Total Deposits
- $195M
- Tier 1 Capital Ratio
- 13.46%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.98%
- Liquidity Ratio
- 24.69%
- Return on Assets
- 1.13%
- Headquarters
- Manchester, Kentucky
- FDIC Certificate
- #2708
- Health Grade
- A (81/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
First Nb of Manchester files quarterly Call Reports with the FDIC under Certificate #2708. 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, First Nb of Manchester holds a Tier 1 capital ratio of 13.46%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of Manchester has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of Manchester shows strong financial health indicators. With $216M 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 First Nb of Manchester Compares
First Nb of Manchester’s Health Score of 81 is 0 points above the Kentucky state average of 81 across 103 FDIC-insured banks. Its 13.46% Tier 1 capital ratio is 0.5 points below the US banking industry average near 14%. The 0.98% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.13% is in line with or above the national ROA benchmark of ~1.1%. Among 1537 similarly-sized banks, the average Health Score is 81, meaning this bank ranks above its size cohort. Site-wide, First Nb of Manchester is 1 points above the portfolio average of 80.
Frequently Asked Questions
First Nb of Manchester 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 13.46%, 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. First Nb of Manchester's Tier 1 capital ratio of 13.46% and nonperforming loan ratio of 0.98% 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 First Nb of Manchester is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #2708). 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.
First Nb of Manchester holds $216M in total assets and $195M in total deposits. It is headquartered in Manchester, Kentucky (FDIC Certificate #2708).
First Nb of Manchester's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #2708 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
First Nb of Manchester has a Tier 1 capital ratio of 13.46%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.98%, and the return on assets is 1.13%.
Yes. First Nb of Manchester is FDIC-insured (Certificate #2708). 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%).
First Nb of Manchester'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.