This institution is no longer active

Operations ceased on February 29, 1996. CRA examination history below reflects the period it was active.

THE FIRST STATE BANK AND TRUST COMPANY OF MANCHESTER, KENTUCKY

MANCHESTER, KY · Supervised by FDIC

Est. 1920FDIC #290RSSD: FDIC-290

Part ofNATIONAL CITY CORP→ View all charters

Outstanding Same

Current rating · Exam: July 1993

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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 0.55%

Institution Profile

FDIC BankFind

Address

Main Street, MANCHESTER, KY

County

Clay County

Established

January 1, 1920

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

Outstanding

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

Exam Date

July 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 1995Call Report / FDIC

Total Assets

$82M

Total Deposits

$69M

Net Loans

$49M

Net Income

$433K

ROA

0.55%

ROE

5.53%

Risk-Based Capital

13.18%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating 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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