🏦Bank Scorer

This institution is no longer active

Operations ceased on May 31, 2017. CRA examination history below reflects the period it was active.

FIRST GUARANTY BANK

MARTIN, KY · Supervised by FDIC

Est. 1999FDIC #35,058RSSD: FDIC-35058
Satisfactory Same

Current rating · Exam: August 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.11%

Institution Profile

FDIC BankFind

Address

36 Main Street, MARTIN, KY

County

Floyd County

Established

February 10, 1999

Total Assets

$48M(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

August 1, 2011

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 14 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 Q1 2017Call Report / FDIC

Total Assets

$48M

Total Deposits

$41M

Net Loans

$20M

Net Income

$13K

ROA

0.11%

ROE

0.98%

Risk-Based Capital

28.19%

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 Rate13.16%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202447166.03%13.16%
202356872.54%7.75%
202268373.21%4.83%
202162576.8%7.36%
202051770.6%11.22%
201938861.86%12.63%
201829862.42%13.76%

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

2 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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