🏦Bank Scorer

This institution is no longer active

Operations ceased on August 18, 2012. CRA examination history below reflects the period it was active.

FARMERS DEPOSIT BANK

EMINENCE, KY · Supervised by FDIC

Est. 1867FDIC #9,686RSSD: FDIC-9686
Part ofPREMIER FINANCIAL BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

5230 S Main St, EMINENCE, KY

County

Henry County

Established

January 1, 1867

Total Assets

$59M(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

June 5, 2008

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 18 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 Q2 2012Call Report / FDIC

Total Assets

$59M

Total Deposits

$49M

Net Loans

$37M

Net Income

$238K

ROA

0.80%

ROE

4.76%

Risk-Based Capital

18.23%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate2.38%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20184295.24%2.38%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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