🏦Bank Scorer

FIRST UNITED BANK AND TRUST COMPANY

MADISONVILLE, KY · Supervised by FDIC

Est. 1996FDIC #34,150RSSD: FDIC-34150
Part ofFIRST UNITED BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.39%

Institution Profile

FDIC BankFind

Address

162 N Main St, MADISONVILLE, KY

County

Hopkins County

Established

March 29, 1996

Total Assets

$606M(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

October 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$606M

Total Deposits

$541M

Net Loans

$401M

Net Income

$2M

ROA

1.39%

ROE

23.98%

Risk-Based Capital

14.72%

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 Rate5.70%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$536M

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410,46469.63%5.70%
202310,91665.65%6.30%
202215,72872.29%5.30%
202120,93474.31%5.27%
202021,17574.41%4.51%
201913,29175.81%5.19%
201810,28077.71%5.55%

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

6 previous ratings locked — dating back to 1997

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/c204a4ff-7464-45e4-a907-35aed248c528"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: