🏦Bank Scorer

This institution is no longer active

Operations ceased on October 2, 2000. CRA examination history below reflects the period it was active.

FIRST CITY BANK AND TRUST COMPANY

HOPKINSVILLE, KY · Supervised by FDIC

Est. 1880FDIC #12,148RSSD: FDIC-12148
Part ofAREA BANCSHARES CORP→ View all charters
Satisfactory Down

Current rating · Exam: May 2000

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.70%

Institution Profile

FDIC BankFind

Address

South Virginia And 10th Streets, HOPKINSVILLE, KY

County

Christian County

Established

January 1, 1880

Total Assets

$427M(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

May 1, 2000

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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 Q3 2000Call Report / FDIC

Total Assets

$427M

Total Deposits

$292M

Net Loans

$269M

Net Income

$5M

ROA

1.70%

ROE

14.61%

Risk-Based Capital

12.86%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 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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