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This institution is no longer active

Operations ceased on November 13, 2001. CRA examination history below reflects the period it was active.

FULTON BANK

FULTON, KY · Supervised by FDIC

Est. 1945FDIC #16,338RSSD: FDIC-16338
Part ofREELFOOT BANCSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: June 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.24%

Institution Profile

FDIC BankFind

Address

One Bankers Plaza, FULTON, KY

County

Fulton County

Established

November 27, 1945

Total Assets

$54M(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

June 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 2001Call Report / FDIC

Total Assets

$54M

Total Deposits

$46M

Net Loans

$36M

Net Income

$-99K

ROA

-0.24%

ROE

-2.47%

Risk-Based Capital

15.28%

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 Rate21.00%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249,52261.16%21.00%
20239,11061.41%21.39%
202212,32264.8%19.40%
202117,65967.32%15.44%
202018,92464.91%15.83%
201914,67068.36%18.62%
20188,27271.7%17.35%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 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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