This institution is no longer active
Operations ceased on July 1, 2025. CRA examination history below reflects the period it was active.
MIDDLESBORO, KY · Supervised by FDIC
Contact & Details
FDIC BankFindFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$412M
Total Deposits
$273M
Net Loans
$352M
Net Income
$954K
ROA
0.46%
Above avg for Small banks. Peer avg: 0.44%
ROE
6.27%
Risk-Based Capital
11.92%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 132 | 59.85% | 15.15% |
| 2023 | 161 | 54.66% | 16.15% |
| 2022 | 249 | 65.86% | 10.44% |
| 2021 | 247 | 67.61% | 12.55% |
| 2020 | 170 | 83.53% | 3.53% |
| 2019 | 151 | 79.47% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Feb 2025 | Satisfactory | Intermediate Small Bank |
| Mar 2022 | Satisfactory | Intermediate Small Bank |
| Apr 2019 | Satisfactory | Intermediate Small Bank |
9 previous ratings locked — back to 1991
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Total Branches
8
Branch Deposits
$273M
1-Year Change
0
5-year net change: -2 branches
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Preview:
Address
County
Established
Total Assets
| 10.60% |
| 2018 | 223 | 75.34% | 15.70% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red