🏦Bank Scorer

This institution is no longer active

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

UNITED BANK & TRUST COMPANY

VERSAILLES, KY · Supervised by FDIC

Est. 1880FDIC #15,608RSSD: FDIC-15608
Part ofFARMERS CAPITAL BANK CORP→ View all charters
Satisfactory Same

Current rating · Exam: January 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.46%

Institution Profile

FDIC BankFind

Address

100 United Drive, VERSAILLES, KY

County

Woodford County

Established

March 3, 1880

Total Assets

$473M(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 1, 2016

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 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

$473M

Total Deposits

$390M

Net Loans

$319M

Net Income

$2M

ROA

0.46%

ROE

3.61%

Risk-Based Capital

16.47%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 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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