🏦Bank Scorer

BANK OF EDMONSON COUNTY

BROWNSVILLE, KY · Supervised by FDIC

Est. 1925FDIC #296RSSD: FDIC-296
Part ofEDMONSON BANCSHARES INC→ View all charters
Outstanding Up

Current rating · Exam: December 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 1.43%

Institution Profile

FDIC BankFind

Address

109 S Main St, BROWNSVILLE, KY

County

Edmonson County

Established

January 1, 1925

Total Assets

$289M(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

December 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$289M

Total Deposits

$251M

Net Loans

$201M

Net Income

$1M

ROA

1.43%

ROE

16.09%

Risk-Based Capital

17.81%

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 Rate1.43%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$249M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202414084.29%1.43%
202316881.55%4.17%
202213686.03%1.47%
202113083.85%4.62%
202015080%6.00%
201915583.87%4.52%
201815785.99%3.18%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings 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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