🏦Bank Scorer

FIRST KENTUCKY BANK, INC.

MAYFIELD, KY · Supervised by FDIC

Est. 1899FDIC #21,247RSSD: FDIC-21247
Part ofEXCHANGE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.23%

Institution Profile

FDIC BankFind

Address

223 S 6th St, MAYFIELD, KY

County

Graves County

Established

January 1, 1899

Total Assets

$595M(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

July 1, 2023

Exam Type

Intermediate Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$595M

Total Deposits

$519M

Net Loans

$352M

Net Income

$2M

ROA

1.23%

ROE

16.43%

Risk-Based Capital

14.77%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$508M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

10 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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