MORGANTOWN, 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
$435M
Total Deposits
$382M
Net Loans
$341M
Net Income
$833K
ROA
0.78%
Above avg for Small banks. Peer avg: 0.44%
ROE
10.19%
Risk-Based Capital
12.25%
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 | 212 | 86.32% | 5.19% |
| 2023 | 183 | 86.34% | 6.01% |
| 2022 | 185 | 85.95% | 3.78% |
| 2021 | 179 | 86.03% | 4.47% |
| 2020 | 180 | 86.11% | 7.22% |
| 2019 | 141 | 82.27% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2023 | Satisfactory | Small Bank |
| Oct 2020 | Satisfactory | Small Bank |
| Feb 2015 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1992
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Total Branches
7
Branch Deposits
$356M
1-Year Change
+2
5-year net change: +2 branches
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Preview:
| 2018 | 156 | 71.15% | 13.46% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red