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This institution is no longer active

Operations ceased on January 1, 2022. CRA examination history below reflects the period it was active.

CITIZENS UNION BANK OF SHELBYVILLE

SHELBYVILLE, KY · Supervised by FDIC

Est. 1888FDIC #5,840RSSD: FDIC-5840
Part ofCITIZENS UNION BCORP SHELBYVILLE→ View all charters
Satisfactory Same

Current rating · Exam: October 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

1854 Midland Trail, SHELBYVILLE, KY

County

Shelby County

Established

July 1, 1888

Total Assets

$1.1B(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

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2021Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$932M

Net Loans

$677M

Net Income

$9M

ROA

0.87%

ROE

7.81%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate5.57%Peer avg: 9.91%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202196981.84%5.57%
20201,11580.54%5.20%
201959681.21%5.87%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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