This institution is no longer active

Operations ceased on July 24, 2015. CRA examination history below reflects the period it was active.

MADISON BANK

RICHMOND, KY · Supervised by FDIC

Est. 1997FDIC #34,306RSSD: FDIC-34306

Part ofMADISON FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: February 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.52%

Institution Profile

FDIC BankFind

Address

1001 Gibson Bay Drive, Suite 101, RICHMOND, KY

County

Madison County

Established

March 11, 1997

Total Assets

$119M(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

February 1, 2004

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 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 Q2 2015Call Report / FDIC

Total Assets

$119M

Total Deposits

$95M

Net Loans

$79M

Net Income

$314K

ROA

0.52%

ROE

4.92%

Risk-Based Capital

17.15%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1999

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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