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This institution is no longer active

Operations ceased on November 5, 2021. CRA examination history below reflects the period it was active.

HANCOCK BANK & TRUST COMPANY

HAWESVILLE, KY · Supervised by FDIC

Est. 1888FDIC #8,128RSSD: FDIC-8128
Part ofHANCOCK BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.50%

Institution Profile

FDIC BankFind

Address

220 Main St, HAWESVILLE, KY

County

Hancock County

Established

July 1, 1888

Total Assets

$334M(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, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 2021Call Report / FDIC

Total Assets

$334M

Total Deposits

$282M

Net Loans

$238M

Net Income

$1M

ROA

0.50%

ROE

4.90%

Risk-Based Capital

0.00%

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 Rate7.62%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202121085.24%7.62%
202040889.46%4.90%
201915288.16%8.55%
201815782.8%9.55%

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

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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