Institution Profile
Branches by Region
KY 4
Financial Overview
Total Assets
$146.15M
Total Deposits
$128.33M
Total Loans
$82.91M
Equity Capital
$9.72M
Employees
31
Allowance for Loan Losses
$800,000
Performance Ratios
Net Worth Ratio
6.65%
Loan-to-Deposit Ratio
64.60%
Coverage Ratio
0.96% Allowance / Total Loans
Net Income
$1.51M
Return on Assets (ROA)
1.04%
Return on Equity (ROE)
17.94%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +17.68% Total Deposits: +23.73% Total Loans: +12.55% 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
$33.38M 42.8%
Construction
$16.98M 21.8%
Commercial Real Estate
$11.86M 15.2%
Multifamily
$6.20M 7.9%
Commercial & Industrial
$4.23M 5.4%
Other Consumer
$4.01M 5.1%
Auto Loans
$559,000 0.7%
Municipal
$556,000 0.7%
Farmland
$272,000 0.3%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +364.92% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $146.15M | $128.33M | $82.91M | $1.51M | 31 |
| 2025 Q3 | $145.06M | $129.17M | $80.83M | $1.03M | 33 |
| 2025 Q2 | $143.84M | $132.32M | $80.31M | $684,000 | 32 |
| 2025 Q1 | $144.59M | $131.62M | $84.06M | $276,000 | 32 |
| 2024 Q4 | $144.82M | $134.39M | $83.65M | $987,000 | 32 |
| 2024 Q3 | $147.55M | $134.60M | $82.80M | $561,000 | 32 |
| 2024 Q2 | $142.82M | $129.84M | $78.92M | $343,000 | 32 |
| 2024 Q1 | $145.35M | $129.94M | $79.67M | $142,000 | 32 |
| 2023 Q4 | $145.09M | $130.20M | $79.36M | $1.12M | 32 |
| 2023 Q3 | $141.96M | $129.43M | $74.15M | $908,000 | 34 |
| 2023 Q2 | $142.71M | $130.25M | $74.36M | $691,000 | 34 |
| 2023 Q1 | $145.19M | $129.20M | $75.05M | $380,000 | 34 |
| 2022 Q4 | $144.45M | $127.27M | $72.34M | $1.46M | 34 |
| 2022 Q3 | $142.43M | $124.04M | $69.72M | $1.03M | 34 |
| 2022 Q2 | $144.51M | $129.53M | $69.77M | $684,000 | 34 |
| 2022 Q1 | $146.13M | $128.94M | $68.07M | $308,000 | 34 |
| 2021 Q4 | $145.00M | $123.36M | $67.85M | $1.44M | 34 |
| 2021 Q3 | $148.24M | $118.37M | $71.08M | $1.09M | 32 |
| 2021 Q2 | $146.69M | $121.50M | $72.75M | $689,000 | 32 |
| 2021 Q1 | $144.01M | $124.15M | $72.03M | $317,000 | 32 |
| 2020 Q4 | $138.42M | $116.96M | $73.54M | $1.29M | 32 |
| 2020 Q3 | $134.96M | $113.85M | $74.34M | $931,000 | 32 |
| 2020 Q2 | $134.57M | $113.62M | $73.42M | $622,000 | 31 |
| 2020 Q1 | $124.20M | $103.72M | $73.66M | $325,000 | 31 |