This institution is no longer active

Operations ceased on June 30, 2014. CRA examination history below reflects the period it was active.

FIRST SECURITY TRUST BANK, INC.

FLORENCE, KY · Supervised by FDIC

Est. 1999FDIC #34,863RSSD: FDIC-34863

Part ofCOMMONWEALTH BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: December 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.10%

Institution Profile

FDIC BankFind

Address

7135 Houston Road, FLORENCE, KY

County

Boone County

Established

June 14, 1999

Total Assets

$82M(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

December 1, 2010

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 15 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 2014Call Report / FDIC

Total Assets

$82M

Total Deposits

$71M

Net Loans

$61M

Net Income

$-21K

ROA

-0.10%

ROE

-1.05%

Risk-Based Capital

14.11%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2005

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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