🏦Bank Scorer

THE FIRST NATIONAL BANK OF MANCHESTER

MANCHESTER, KY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1905FDIC #2,708
Outstanding Up

Current rating · Exam: November 2022

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.99%

Institution Profile

FDIC BankFind

Address

120 Town Branch Rd, MANCHESTER, KY

County

Clay County

Established

February 5, 1905

Total Assets

$231M(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

November 28, 2022

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Nov 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$231M

Total Deposits

$209M

Net Loans

$154M

Net Income

$569K

ROA

0.99%

ROE

10.46%

Risk-Based Capital

15.68%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$207M

1-Year Change

+1

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 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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