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This institution is no longer active

Operations ceased on March 18, 2017. CRA examination history below reflects the period it was active.

THE BANK OF HARLAN

HARLAN, KY · Supervised by FDIC

Est. 1934FDIC #14,200RSSD: FDIC-14200
Part ofMONTICELLO BANKSHARES INC→ View all charters
Satisfactory Up

Current rating · Exam: September 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.27%

Institution Profile

FDIC BankFind

Address

201 East Central Street, HARLAN, KY

County

Harlan County

Established

January 1, 1934

Total Assets

$129M(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

September 1, 2012

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 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 Q4 2016Call Report / FDIC

Total Assets

$129M

Total Deposits

$114M

Net Loans

$55M

Net Income

$-359K

ROA

-0.27%

ROE

-2.45%

Risk-Based Capital

15.90%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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