This institution is no longer active
Operations ceased on January 1, 2022. CRA examination history below reflects the period it was active.
SHELBYVILLE, KY · Supervised by FDIC
Contact & Details
FDIC BankFindFederal 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
$1.1B
Total Deposits
$932M
Net Loans
$677M
Net Income
$9M
ROA
0.87%
Below avg for Community banks. Peer avg: 0.90%
ROE
7.81%
Risk-Based Capital
0.00%
Below avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2021 | 969 | 81.84% | 5.57% |
| 2020 | 1,115 | 80.54% | 5.20% |
| 2019 | 596 | 81.21% | 5.87% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 2019 | Satisfactory | Intermediate Small Bank |
| Jan 2017 | Satisfactory | Intermediate Small Bank |
| Nov 2014 | Outstanding | Intermediate Small Bank |
9 previous ratings locked — back to 1990
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Total Assets