This institution is no longer active

Operations ceased on December 13, 2003. CRA examination history below reflects the period it was active.

NCF BANK & TRUST COMPANY

BARDSTOWN, KY · Supervised by FDIC

Est. 1925FDIC #31,626RSSD: FDIC-31626

Part ofYOUR COMMUNITY BANKSHARES INC→ View all charters

Outstanding

Current rating · Exam: April 1999

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.58%

Institution Profile

FDIC BankFind

Address

106a West John Rowan Boulevard, BARDSTOWN, KY

County

Nelson County

Established

January 1, 1925

Total Assets

$68M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q3 2003Call Report / FDIC

Total Assets

$68M

Total Deposits

$45M

Net Loans

$56M

Net Income

$268K

ROA

0.58%

ROE

5.14%

Risk-Based Capital

14.54%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/afca4689-6876-4a82-91d3-4caeff18b87e"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: