🏦Bank Scorer

CENTURY BANK OF KENTUCKY, INC.

LAWRENCEBURG, KY · Supervised by FDIC

Est. 2000FDIC #35,450RSSD: FDIC-35450
Part ofCENTURY BANCSHARES INC→ View all charters
Needs to Improve Down

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 2.09%

Institution Profile

FDIC BankFind

Address

201 W Woodford St, LAWRENCEBURG, KY

County

Anderson County

Established

July 5, 2000

Total Assets

$204M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

June 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$204M

Total Deposits

$185M

Net Loans

$139M

Net Income

$1M

ROA

2.09%

ROE

23.28%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$177M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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