This institution is no longer active

Operations ceased on February 29, 1996. CRA examination history below reflects the period it was active.

RICHMOND BANK AND TRUST COMPANY

RICHMOND, KY · Supervised by FDIC

Est. 1905FDIC #388RSSD: FDIC-388

Part ofNATIONAL CITY CORP→ View all charters

Outstanding Same

Current rating · Exam: October 1995

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.12%

Is this bank safe?

RICHMOND BANK AND TRUST COMPANY earned an Outstanding CRA rating (1995), meets basic financial requirements (ROA +0.12%).

Institution Profile

FDIC BankFind

Address

239 West Main Street, RICHMOND, KY

County

Madison County

Established

January 1, 1905

Total Assets

$108M(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

October 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 1995Call Report / FDIC

Total Assets

$108M

Total Deposits

$86M

Net Loans

$71M

Net Income

$133K

ROA

0.12%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.28%

Risk-Based Capital

12.21%

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).

ROA0.12%Peer avg: 0.44%▼ Below avg

Risk-Based Capital12.21%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 1995	Outstanding	Not Reported
Jul 1993	Outstanding	Not Reported
Jan 1992	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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