🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 1997. CRA examination history below reflects the period it was active.

THE EXCHANGE BANK OF KENTUCKY

MOUNT STERLING, KY · Supervised by FDIC

Est. 1856FDIC #14,603RSSD: FDIC-14603
Part ofPIKEVILLE NATIONAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: April 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.58%

Institution Profile

FDIC BankFind

Address

High And Maysville Streets, MOUNT STERLING, KY

County

Montgomery County

Established

August 10, 1856

Total Assets

$65M(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

April 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 1996Call Report / FDIC

Total Assets

$65M

Total Deposits

$60M

Net Loans

$43M

Net Income

$1M

ROA

1.58%

ROE

22.17%

Risk-Based Capital

10.85%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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