This institution is no longer active

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

FIRST FARMERS BANK AND TRUST COMPANY

OWENTON, KY · Supervised by FDIC

Est. 1934FDIC #2,762RSSD: FDIC-2762

Part ofCITIZENS UNION BCORP SHELBYVILLE→ View all charters

Satisfactory Same

Current rating · Exam: August 2013

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.27%

Institution Profile

FDIC BankFind

Address

127 North Thomas Street, OWENTON, KY

County

Owen County

Established

January 1, 1934

Total Assets

$123M(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

August 1, 2013

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 12 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

$123M

Total Deposits

$101M

Net Loans

$89M

Net Income

$1M

ROA

1.27%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.57%

Risk-Based Capital

14.43%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA1.27%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.43%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate16.79%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	1,358	66.27%	16.79%
2021	2,146	71.58%	14.35%
2020	1,611	73.87%	10.18%
2019	783	71.52%	10.22%
2018	826	70.22%	13.56%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Aug 2013	Satisfactory	Small Bank
Jul 2008	Satisfactory	Small Bank
Aug 2003	Satisfactory	Small Bank

4 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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