This institution is no longer active
Operations ceased on April 13, 2019. CRA examination history below reflects the period it was active.
PRESTONSBURG, KY · Supervised by FDIC
Contact & Details
FDIC BankFindAddress
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$298M
Total Deposits
$239M
Net Loans
$135M
Net Income
$438K
ROA
0.58%
Above avg for Small banks. Peer avg: 0.44%
ROE
5.13%
Risk-Based Capital
24.16%
Above avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2019 | 26 | 50% | 23.08% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Dec 2016 | Satisfactory | Intermediate Small Bank |
| Mar 2015 | Satisfactory | Intermediate Small Bank |
| Oct 2009 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1993
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