BanksFREDONIA VALLEY BANK

FREDONIA VALLEY BANK

FREDONIA, KYSmallEst. Jan. 1, 1894, midnightFDIC #9669RSSD #502447FDIC
Latest · 2025-12-31

FREDONIA VALLEY BANK is an 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%. CET1 capital ratio: 9.95%. NPL ratio: 0.61% · Texas Ratio: 4.65%. Operates 2 domestic branches.

Assets
$116M
Deposits
$101M
Loans
$73M
Equity
$12M

Profitability

Return on Assets (ROA)0.78%
Return on Equity (ROE)7.85%
Net Interest Margin3.99%
Yield on Assets5.91%
Cost of Funds1.98%

Asset Quality

NPL Ratio0.61%
Net Charge-Off Ratio0.03%
Texas Ratio4.65%
NPA Ratio0.51%
ACL / Loans1.55%

Capital & Liquidity

CET1 Ratio9.95%
Tier 1 Capital9.95%
Total Capital Ratio10.45%
Leverage Ratio11.92%
Loan-to-Deposit72.08%

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