FREDONIA VALLEY BANK

FREDONIA, KY | Small | Est. Jan. 1, 1894, midnight | FDIC #9669 | RSSD #502447 | FDIC
Latest Report: 2025-12-31

FREDONIA VALLEY BANK is asn small FDIC-insured commercial bank headquartered in FREDONIA, KY, established in Jan. 1, 1894, midnight. As of 2025-12-31, the bank reported total assets of $116M and total deposits of $101M. Profitability stands at 0.78% ROA and 7.85% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 9.95%. Asset quality metrics show a non-performing loan ratio of 0.61% and a Texas Ratio of 4.65%. FDIC Certificate #9669. The institution operates 1 domestic branch.

Assets

$116M

Deposits

$101M

Loans

$73M

Equity

$12M

Profitability

Return on Assets (ROA) 0.78%
Return on Equity (ROE) 7.85%
Net Interest Margin (NIM) 3.99%
Yield on Assets 5.91%
Cost of Funds 2.57%

Asset Quality

NPL Ratio 0.61%
Net Charge-Off Ratio 0.03%
Texas Ratio 4.65%
NPA Ratio 0.51%
ACL / Loans 1.55%

Capital & Liquidity

CET1 Ratio 9.95%
Tier 1 Capital 9.95%
Total Capital Ratio 10.45%
Leverage Ratio 11.92%
Loan-to-Deposit 72.08%

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