This institution is no longer active

Operations ceased on May 31, 2017. CRA examination history below reflects the period it was active.

FIRST GUARANTY BANK

MARTIN, KY · Supervised by FDIC

Est. 1999FDIC #35,058RSSD: FDIC-35058

Satisfactory Same

Current rating · Exam: August 2011

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.11%

Is this bank safe?

FIRST GUARANTY BANK holds a Satisfactory CRA rating (2011), meets basic financial requirements (ROA +0.11%).

Institution Profile

FDIC BankFind

Address

36 Main Street, MARTIN, KY

County

Floyd County

Established

February 10, 1999

Total Assets

$48M(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, 2011

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 14 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 2017Call Report / FDIC

Total Assets

$48M

Total Deposits

$41M

Net Loans

$20M

Net Income

$13K

ROA

0.11%

Below avg for Small banks. Peer avg: 0.44%

ROE

0.98%

Risk-Based Capital

28.19%

Above 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).

ROA0.11%Peer avg: 0.44%▼ Below avg

Risk-Based Capital28.19%Peer avg: 23.03%▲ Above avg

Mortgage Denial Rate13.16%Peer avg: 6.90%▲ More than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	471	66.03%	13.16%
2020	517	70.6%	11.22%
2019	388	61.86%	12.63%
2018	298	62.42%	13.76%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Aug 2011	Satisfactory	Small Bank
May 2006	Satisfactory	Small Bank
Jul 2001	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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