🏦Bank Scorer

KENTUCKY FARMERS BANK CORPORATION

CATLETTSBURG, KY · Supervised by FDIC

Est. 1931FDIC #267RSSD: FDIC-267
Part ofKFB HOLDINGS INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.03%

Institution Profile

FDIC BankFind

Address

2500 Broadway St, CATLETTSBURG, KY

County

Boyd County

Established

January 1, 1931

Total Assets

$320M(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

April 1, 2022

Exam Type

Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$320M

Total Deposits

$270M

Net Loans

$164M

Net Income

$2M

ROA

2.03%

ROE

13.34%

Risk-Based Capital

27.64%

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 Rate22.82%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$261M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202414955.03%22.82%
202313361.65%15.04%
202218859.04%14.89%
202126566.42%15.09%
202022959.83%19.65%
201918667.74%13.98%
201813868.84%15.22%

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

7 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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