This institution is no longer active

Operations ceased on January 1, 1997. CRA examination history below reflects the period it was active.

COMMERCIAL BANK

MIDDLESBORO, KY · Supervised by FDIC

Est. 1931FDIC #274RSSD: FDIC-274

Part ofPIKEVILLE NATIONAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: December 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.19%

Institution Profile

FDIC BankFind

Address

1918 Cumberland Avenue, MIDDLESBORO, KY

County

Bell County

Established

February 21, 1931

Total Assets

$101M(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

December 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 1996Call Report / FDIC

Total Assets

$101M

Total Deposits

$87M

Net Loans

$61M

Net Income

$1M

ROA

1.19%

ROE

9.52%

Risk-Based Capital

14.97%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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