MIDDLESBORO, KY · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal 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
$591M
Total Deposits
$530M
Net Loans
$448M
Net Income
$1M
ROA
0.80%
Above avg for Small banks. Peer avg: 0.44%
ROE
8.73%
Risk-Based Capital
15.20%
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 | 221 | 70.14% | 14.48% |
| 2023 | 261 | 66.67% | 14.94% |
| 2022 | 406 | 68.47% | 13.55% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 2024 | Satisfactory | Intermediate Small Bank |
| Feb 2022 | Satisfactory | Intermediate Small Bank |
| Mar 2019 | Satisfactory | Intermediate Small Bank |
5 previous ratings locked — back to 2004
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Total Branches
7
Branch Deposits
$499M
1-Year Change
0
5-year net change: +1 branches
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