This institution is no longer active

Operations ceased on January 1, 2022. CRA examination history below reflects the period it was active.

CITIZENS UNION BANK OF SHELBYVILLE

SHELBYVILLE, KY · Supervised by FDIC

Est. 1888FDIC #5,840RSSD: FDIC-5840

Part ofCITIZENS UNION BCORP SHELBYVILLE→ View all charters

Satisfactory Same

Current rating · Exam: October 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Is this bank safe?

CITIZENS UNION BANK OF SHELBYVILLE holds a Satisfactory CRA rating (2019), meets basic financial requirements (ROA +0.87%).

Institution Profile

FDIC BankFind

Address

1854 Midland Trail, SHELBYVILLE, KY

County

Shelby County

Established

July 1, 1888

Total Assets

$1.1B(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

October 1, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 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 2021Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$932M

Net Loans

$677M

Net Income

$9M

ROA

0.87%

Below avg for Community banks. Peer avg: 0.90%

ROE

7.81%

Risk-Based Capital

0.00%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA0.87%Peer avg: 0.90%▼ Below avg

Risk-Based Capital0.00%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate5.57%Peer avg: 10.20%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2021	969	81.84%	5.57%
2020	1,115	80.54%	5.20%
2019	596	81.21%	5.87%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 2019	Satisfactory	Intermediate Small Bank
Jan 2017	Satisfactory	Intermediate Small Bank
Nov 2014	Outstanding	Intermediate Small Bank

9 previous ratings locked — 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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