Institution Profile
Website:
FDIC Profile:
Established:
1/1/1931
Branches:
5
Branches by Region
KY 4 OH 1
Financial Overview
Total Assets
$331.21M
Total Deposits
$278.70M
Total Loans
$167.93M
Equity Capital
$51.21M
Employees
69
Allowance for Loan Losses
$1.74M
Performance Ratios
Net Worth Ratio
15.46%
Loan-to-Deposit Ratio
60.25%
Coverage Ratio
1.04% Allowance / Total Loans
Net Income
$6.36M
Return on Assets (ROA)
2.04%
Return on Equity (ROE)
13.58%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +61.01% Total Deposits: +72.09% Total Loans: +56.46% since 2020 Q1
Employee Growth
Employee Growth
Employees: +6.15% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$79.90M 48.6%
Commercial Real Estate
$37.07M 22.6%
Commercial & Industrial
$11.35M 6.9%
Multifamily
$8.96M 5.5%
Municipal
$8.69M 5.3%
Construction
$8.10M 4.9%
Auto Loans
$5.86M 3.6%
Other Consumer
$3.37M 2.1%
Lease Financing
$902,000 0.5%
Farmland
$91,000 0.1%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +874.12% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $331.21M | $278.70M | $167.93M | $6.36M | 69 |
| 2025 Q3 | $311.56M | $261.29M | $162.69M | $4.51M | 70 |
| 2025 Q2 | $307.45M | $261.08M | $162.80M | $2.94M | 68 |
| 2025 Q1 | $306.88M | $260.63M | $156.44M | $1.40M | 69 |
| 2024 Q4 | $304.36M | $259.25M | $155.00M | $5.35M | 69 |
| 2024 Q3 | $284.80M | $233.59M | $160.39M | $3.95M | 67 |
| 2024 Q2 | $277.83M | $229.82M | $162.76M | $2.52M | 72 |
| 2024 Q1 | $273.50M | $226.79M | $164.79M | $1.22M | 65 |
| 2023 Q4 | $275.82M | $228.66M | $164.88M | $6.13M | 68 |
| 2023 Q3 | $272.89M | $232.10M | $164.66M | $5.09M | 65 |
| 2023 Q2 | $280.22M | $237.93M | $163.10M | $3.58M | 62 |
| 2023 Q1 | $287.35M | $245.79M | $164.64M | $1.61M | 63 |
| 2022 Q4 | $267.32M | $229.78M | $153.95M | $4.41M | 63 |
| 2022 Q3 | $262.66M | $228.22M | $147.50M | $4.17M | 63 |
| 2022 Q2 | $260.61M | $223.89M | $144.50M | $2.74M | 63 |
| 2022 Q1 | $256.50M | $216.39M | $139.71M | $1.17M | 61 |
| 2021 Q4 | $270.87M | $223.20M | $141.75M | $6.43M | 61 |
| 2021 Q3 | $271.87M | $224.73M | $137.55M | $5.17M | 61 |
| 2021 Q2 | $263.73M | $217.61M | $130.44M | $3.23M | 61 |
| 2021 Q1 | $253.30M | $209.65M | $125.93M | $1.33M | 58 |
| 2020 Q4 | $237.23M | $193.69M | $124.14M | $4.66M | 62 |
| 2020 Q3 | $228.11M | $178.35M | $125.25M | $3.12M | 61 |
| 2020 Q2 | $228.34M | $180.38M | $121.42M | $1.86M | 62 |
| 2020 Q1 | $205.70M | $161.95M | $107.33M | $653,000 | 65 |