BOWLING GREEN, KY · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$892M
Total Deposits
$766M
Net Loans
$726M
Net Income
$2M
ROA
1.01%
Above avg for Small banks. Peer avg: 0.44%
ROE
10.98%
Risk-Based Capital
12.29%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 306 | 80.72% | 4.90% |
| 2023 | 192 | 94.79% | 2.08% |
| 2022 | 256 | 95.7% | 1.17% |
| 2021 | 237 | 96.62% | 1.69% |
| 2020 | 192 | 90.1% | 4.17% |
| 2019 | 206 | 92.23% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Dec 2025 | Satisfactory | Intermediate Small Bank |
| Feb 2023 | Satisfactory | Intermediate Small Bank |
| Mar 2021 | Satisfactory | Intermediate Small Bank |
4 previous ratings locked — back to 2002
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Total Branches
6
Branch Deposits
$773M
1-Year Change
0
5-year net change: +1 branches
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Preview:
| 2018 | 256 | 89.06% | 5.86% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red