This institution is no longer active

Operations ceased on December 13, 2003. CRA examination history below reflects the period it was active.

NCF BANK & TRUST COMPANY

BARDSTOWN, KY · Supervised by FDIC

Est. 1925FDIC #31,626RSSD: FDIC-31626

Part ofYOUR COMMUNITY BANKSHARES INC→ View all charters

Outstanding

Current rating · Exam: April 1999

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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 0.58%

Is this bank safe?

NCF BANK & TRUST COMPANY earned an Outstanding CRA rating (1999), meets basic financial requirements (ROA +0.58%).

Institution Profile

FDIC BankFind

Address

106a West John Rowan Boulevard, BARDSTOWN, KY

County

Nelson County

Established

January 1, 1925

Total Assets

$68M(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

April 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q3 2003Call Report / FDIC

Total Assets

$68M

Total Deposits

$45M

Net Loans

$56M

Net Income

$268K

ROA

0.58%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.14%

Risk-Based Capital

14.54%

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).

ROA0.58%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.54%Peer avg: 23.03%▼ Below avg

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

This is the only examination on record for this bank.

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