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This institution is no longer active

Operations ceased on October 2, 2000. CRA examination history below reflects the period it was active.

SOUTHERN DEPOSIT BANK

RUSSELLVILLE, KY · Supervised by FDIC

Est. 1916FDIC #271RSSD: FDIC-271
Part ofAREA BANCSHARES CORP→ View all charters
Satisfactory Same

Current rating · Exam: January 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.34%

Institution Profile

FDIC BankFind

Address

102 West Park Square, RUSSELLVILLE, KY

County

Logan County

Established

January 1, 1916

Total Assets

$82M(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

January 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 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 Q3 2000Call Report / FDIC

Total Assets

$82M

Total Deposits

$62M

Net Loans

$54M

Net Income

$809K

ROA

1.34%

ROE

14.72%

Risk-Based Capital

13.58%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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