Field & Main Bank
Henderson, KY·RSSD 618740·FDIC 13838·bank:618740·Risk-based ratios where reported
- #20 of 120Total assets in Kentucky
- 6offices
- 106employees
Performance over time
22 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 25 FORFI signals stand out against 1448 similar banks, based on FDIC data for the quarter.
Where Field & Main Bank differs most from peers
Leverage capital ratio among the lowest of similar banksContext: Capital8.70%peers 10.64%-1.9 pp
Field & Main Bank's leverage ratio was 8.70%, compared with a median of 10.64% among 1448 similar banks: lower than 91% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 8.70% | 10.64% | -1.9 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1448 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Field & Main Bank itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar banksContext: Earnings0.93%peers 0.43%+49 bps
Field & Main Bank's noninterest income relative to average assets was 0.93%, compared with a median of 0.43% among 1445 similar banks: higher than 87% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.93% | 0.43% | +49 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1448 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Field & Main Bank itself is left out of every peer median and percentile. How signals work
Noninterest-bearing deposit share rising while the peer median fallsContext: Funding18.1%peers 20.5%-2.4 pp
Field & Main Bank's share of deposits that pay no interest rose 1.5 percentage points over the past year to 18.1%. Among 1442 similar banks, the median fell 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 18.1% | 20.5% | -2.4 pp |
| 12-month change | ||
| +1.5 pp | -0.2 pp | +1.7 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1448 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Field & Main Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Field & Main Bank is a bank headquartered in Henderson, Kentucky. It reported $860 million in total assets for the quarter ended March 31, 2026.
- Deposits totaled $781 million, up 5.4% from a year earlier, and loans totaled $649 million, up 1.9%.
- Its net interest margin was 3.83% and its annualized return on assets was 1.24% for the quarter.
- Its cost of all deposits was 2.27%, compared with a median of 1.81% among 1443 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Field & Main Bank's own data, FORFI would look at: Which balance-sheet segments consume or release capital, relationship by relationship.
Analysis workspaces
Sources and identifiers
- Institution
- Field & Main Bank · Bank
- Federal Reserve RSSD
- 618740
- FDIC certificate
- 13838
- Reporting period
- Peer group
- 1448 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Field & Main Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $2.63M | — | |
| $11.95M | — | |
| $4.38M | — | |
| $7.57M | — | |
| $1.96M | — | |
| $6.04M | — | |
| $150K | — | |
| $150K | — | |
| 1.24% | 1.22%ROAQ · Quarter | |
| 3.83% | 3.78%NIMYQ · Quarter | |
| 63.37% | 63.37%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-24T23:15:30.441988+00:00. Separate reference provenance is included in the export.