FIRST BRECKINRIDGE BANCSHARES
Legal name: FIRST BRECKINRIDGE BANCSHARES, INC.
6 active banks · $2.9B combined assets
RSSD ID: 1119404 (FFIEC NIC)
Combined Assets
$2.9B
CRA Rating Summary
Across all 50 exams on record for this holding company's charters, 98% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
6 of 6 banks · Meets expectations for community lending
Combined Assets
$2.9B
6 active banks
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$2.5B
Net Income
$9M
ROA (avg)
1.2%
asset-weighted avg
Mortgage Lending (HMDA)
Aggregated HMDA data across all active charters for 2024.
Applications
1,308
Origination Rate
72.02%
Denial Rate
10.09%
Active Bank Charters6
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| AMERICAN BANK & TRUST COMPANY, INC. | BOWLING GREEN, KY | FDIC | $892M | 100.0% | Satisfactory | Dec 2025 |
| WEST POINT BANK | RADCLIFF, KY | FDIC | $571M | 100.0% | Satisfactory | Aug 2025 |
| RIVER CITY BANK, INC. | LOUISVILLE, KY | FDIC | $490M | 100.0% | Satisfactory | Jun 2025 |
| FIRST STATE BANK | IRVINGTON, KY | FDIC | $414M | 100.0% | Satisfactory | Oct 2024 |
| BANK OF LEXINGTON, INC. | LEXINGTON, KY | FDIC | $399M | — | Satisfactory | Feb 2023 |
| BANK OF CLARKSON | CLARKSON, KY | FDIC | $181M | 100.0% | Satisfactory | Sep 2022 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.