Institution Profile
Branches by Region
KY 5
Financial Overview
Total Assets
$231.96M
Total Deposits
$176.53M
Total Loans
$147.27M
Equity Capital
$18.06M
Employees
50
Allowance for Loan Losses
$1.47M
Performance Ratios
Net Worth Ratio
7.79%
Loan-to-Deposit Ratio
83.42%
Coverage Ratio
1.00% Allowance / Total Loans
Net Income
$4.43M
Return on Assets (ROA)
2.00%
Return on Equity (ROE)
26.94%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +55.60% Total Deposits: +40.48% Total Loans: +37.23% since 2020 Q1
Employee Growth
Employee Growth
Employees: +0.00% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$81.75M 55.8%
Farmland
$23.39M 16.0%
Commercial Real Estate
$14.37M 9.8%
Commercial & Industrial
$9.29M 6.3%
Auto Loans
$5.99M 4.1%
Multifamily
$5.09M 3.5%
Other Consumer
$3.29M 2.2%
Construction
$2.89M 2.0%
Agricultural
$348,000 0.2%
Municipal
$140,000 0.1%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +2174.36% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $231.96M | $176.53M | $147.27M | $4.43M | 50 |
| 2025 Q3 | $225.22M | $176.66M | $146.06M | $3.18M | 50 |
| 2025 Q2 | $226.20M | $183.11M | $143.89M | $1.96M | 50 |
| 2025 Q1 | $225.31M | $177.89M | $140.60M | $926,000 | 50 |
| 2024 Q4 | $202.68M | $175.08M | $140.57M | $2.53M | 50 |
| 2024 Q3 | $204.23M | $174.96M | $139.76M | $2.39M | 48 |
| 2024 Q2 | $204.45M | $177.53M | $132.88M | $1.42M | 48 |
| 2024 Q1 | $201.02M | $168.27M | $128.05M | $628,000 | 48 |
| 2023 Q4 | $191.43M | $162.22M | $127.69M | $2.69M | 50 |
| 2023 Q3 | $200.17M | $164.56M | $123.22M | $1.72M | 50 |
| 2023 Q2 | $205.80M | $170.85M | $121.94M | $1.07M | 52 |
| 2023 Q1 | $200.77M | $166.61M | $120.09M | $501,000 | 52 |
| 2022 Q4 | $183.73M | $164.51M | $119.18M | $1.44M | 53 |
| 2022 Q3 | $195.72M | $175.15M | $116.43M | $965,000 | 53 |
| 2022 Q2 | $197.17M | $175.42M | $115.47M | $541,000 | 52 |
| 2022 Q1 | $192.88M | $170.11M | $113.39M | $151,000 | 53 |
| 2021 Q4 | $196.64M | $171.82M | $108.89M | $2.04M | 53 |
| 2021 Q3 | $216.28M | $170.12M | $108.60M | $1.56M | 53 |
| 2021 Q2 | $212.32M | $165.72M | $114.52M | $1.37M | 52 |
| 2021 Q1 | $200.76M | $161.22M | $115.26M | $1.04M | 50 |
| 2020 Q4 | $195.49M | $146.81M | $113.96M | $616,000 | 50 |
| 2020 Q3 | $180.75M | $141.95M | $114.46M | $490,000 | 50 |
| 2020 Q2 | $179.45M | $142.72M | $112.82M | $374,000 | 50 |
| 2020 Q1 | $149.07M | $125.66M | $107.31M | $195,000 | 50 |