This institution is no longer active

Operations ceased on April 8, 2020. CRA examination history below reflects the period it was active.

VICTORY COMMUNITY BANK

FORT MITCHELL, KY · Supervised by OTS

Est. 2002FDIC #57,277

Satisfactory Same

Current rating · Exam: March 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

VICTORY COMMUNITY BANK holds a Satisfactory CRA rating (2010).

Institution Profile

FDIC BankFind

Address

2500 Chamber Center Drive, Suite 100, FORT MITCHELL, KY

County

Kenton County

Established

December 9, 2002

Total Assets

$188M(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

March 8, 2010

Exam Type

Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 16 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)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	1,318	90.36%	1.06%
2018	1,052	84.13%	2.38%

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
Mar 2010	Satisfactory	Small Bank
Feb 2005	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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