FLEMINGSBURG, 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
$558M
Total Deposits
$486M
Net Loans
$389M
Net Income
$-1,310K
ROA
-0.95%
Below avg for Small banks. Peer avg: 0.44%
ROE
-8.60%
Risk-Based Capital
16.92%
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 | 220 | 75% | 15.45% |
| 2023 | 253 | 77.47% | 7.91% |
| 2022 | 355 | 88.73% | 3.66% |
| 2021 | 262 | 87.4% | 4.58% |
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 |
|---|---|---|
| Feb 2025 | Satisfactory | Intermediate Small Bank |
| Sep 2023 | Needs to Improve | Intermediate Small Bank |
| Sep 2020 | Satisfactory | Small Bank |
8 previous ratings locked — back to 1990
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Total Branches
12
Branch Deposits
$442M
1-Year Change
0
5-year net change: +2 branches
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