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This institution is no longer active

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

FIRST SECURITY BANK & TRUST CO.

WHITESBURG, KY · Supervised by FDIC

Est. 1947FDIC #16,596RSSD: FDIC-16596
Part ofPIKEVILLE NATIONAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.55%

Institution Profile

FDIC BankFind

Address

Main Street, WHITESBURG, KY

County

Letcher County

Established

July 2, 1947

Total Assets

$93M(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

November 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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

$93M

Total Deposits

$81M

Net Loans

$64M

Net Income

$1M

ROA

1.55%

ROE

16.23%

Risk-Based Capital

14.98%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 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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