Institution Profile
Branches by Region
KY 5
Financial Overview
Total Assets
$347.89M
Total Deposits
$289.16M
Total Loans
$244.48M
Equity Capital
$39.60M
Employees
53
Allowance for Loan Losses
$4.67M
Performance Ratios
Net Worth Ratio
11.38%
Loan-to-Deposit Ratio
84.55%
Coverage Ratio
1.91% Allowance / Total Loans
Net Income
$4.76M
Return on Assets (ROA)
1.46%
Return on Equity (ROE)
12.79%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +44.74% Total Deposits: +63.51% Total Loans: +55.69% since 2020 Q1
Employee Growth
Employee Growth
Employees: +23.26% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$88.59M 36.3%
Farmland
$57.47M 23.5%
Commercial & Industrial
$36.59M 15.0%
Commercial Real Estate
$24.41M 10.0%
Agricultural
$13.93M 5.7%
Construction
$10.08M 4.1%
Other Consumer
$5.95M 2.4%
Auto Loans
$4.93M 2.0%
Multifamily
$1.46M 0.6%
Municipal
$701,000 0.3%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +447.64% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $347.89M | $289.16M | $244.48M | $4.76M | 53 |
| 2025 Q3 | $332.56M | $271.79M | $236.56M | $3.50M | 56 |
| 2025 Q2 | $320.23M | $264.69M | $232.56M | $2.27M | 56 |
| 2025 Q1 | $317.88M | $268.38M | $222.60M | $1.03M | 54 |
| 2024 Q4 | $313.90M | $263.14M | $225.86M | $3.61M | 56 |
| 2024 Q3 | $309.76M | $252.46M | $222.13M | $2.48M | 56 |
| 2024 Q2 | $302.43M | $248.35M | $213.94M | $1.55M | 56 |
| 2024 Q1 | $296.99M | $245.71M | $205.78M | $720,000 | 55 |
| 2023 Q4 | $299.93M | $246.68M | $211.30M | $3.56M | 55 |
| 2023 Q3 | $290.29M | $238.91M | $204.81M | $2.71M | 53 |
| 2023 Q2 | $295.26M | $241.16M | $200.13M | $1.82M | 55 |
| 2023 Q1 | $290.98M | $241.05M | $192.94M | $859,000 | 54 |
| 2022 Q4 | $290.22M | $236.11M | $195.09M | $3.92M | 53 |
| 2022 Q3 | $284.68M | $234.69M | $186.99M | $2.85M | 53 |
| 2022 Q2 | $281.10M | $236.95M | $167.19M | $1.68M | 52 |
| 2022 Q1 | $278.36M | $225.77M | $162.48M | $679,000 | 51 |
| 2021 Q4 | $273.32M | $214.10M | $170.94M | $3.14M | 49 |
| 2021 Q3 | $265.23M | $204.90M | $174.86M | $2.27M | 49 |
| 2021 Q2 | $274.85M | $207.08M | $178.81M | $1.66M | 49 |
| 2021 Q1 | $267.87M | $207.29M | $173.45M | $999,000 | 48 |
| 2020 Q4 | $273.83M | $196.38M | $185.98M | $3.70M | 47 |
| 2020 Q3 | $267.57M | $186.41M | $189.12M | $2.81M | 44 |
| 2020 Q2 | $264.63M | $186.10M | $182.63M | $1.83M | 44 |
| 2020 Q1 | $240.37M | $176.84M | $157.03M | $869,000 | 43 |