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This institution is no longer active

Operations ceased on October 15, 2018. CRA examination history below reflects the period it was active.

FIRST SECURITY BANK

OWENSBORO, KY · Supervised by FDIC

Est. 1997FDIC #34,524RSSD: FDIC-34524
Part ofFIRST SECURITY INC→ View all charters
Satisfactory Up

Current rating · Exam: August 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.44%

Institution Profile

FDIC BankFind

Address

313 Frederica Street, OWENSBORO, KY

County

Daviess County

Established

August 20, 1997

Total Assets

$572M(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, 2017

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 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 2018Call Report / FDIC

Total Assets

$572M

Total Deposits

$437M

Net Loans

$402M

Net Income

$2M

ROA

0.44%

ROE

4.36%

Risk-Based Capital

15.52%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1999

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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