This institution is no longer active

Operations ceased on April 25, 1994. CRA examination history below reflects the period it was active.

THE KENTUCKY BANK & TRUST COMPANY

MADISONVILLE, KY · Supervised by FDIC

Est. 1901FDIC #12,167RSSD: FDIC-12167

Part ofLIBERTY NATIONAL BCORP INC→ View all charters

Satisfactory

Current rating · Exam: January 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.83%

Institution Profile

FDIC BankFind

Address

1 South Main Street, MADISONVILLE, KY

County

Hopkins County

Established

March 1, 1901

Total Assets

$163M(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 28, 1991

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 35 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 Q1 1994Call Report / FDIC

Total Assets

$163M

Total Deposits

$146M

Net Loans

$86M

Net Income

$346K

ROA

0.83%

ROE

9.41%

Risk-Based Capital

19.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate11.99%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2021	559	70.13%	11.99%
2020	1,250	70.24%	10.48%
2019	815	72.52%	11.78%
2018	744	74.06%	9.54%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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