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Fredonia Valley Bank
Fredonia, KY · FDIC Certificate #9669 · Chartered 01/0
Total assets
$119.77M
Total deposits
$105.45M
Total equity
$11.30M
Net loans
$72.06M
Branches (offices)
2
Net income (YTD)
$551.00K
Rank: #3,532 of 4,213 U.S. banks by assets · #103 of 120 in Kentucky. Assets changed 12.2% and deposits 13.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.93% |
| Return on equity | 9.66% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 9.43% |
| Tier 1 leverage ratio | 11.49% |
| Uninsured deposits (share of deposits) | 17.8% |
| Noncurrent loans (share of loans) | 1.19% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 68.3% |
| Real estate loans (share of loans) | 79.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $57.19M | 79.4% | |
| Commercial & industrial | $10.63M | 14.8% | |
| Consumer / individual | $3.34M | 4.6% | |
| Construction & development | $1.25M | 1.7% | |
| Agricultural | $2.01M | 2.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $96.31M | $85.41M | $657.00K | $9.88M |
| Jun 2023 | $98.77M | $85.25M | $500.00K | $9.90M |
| Jun 2024 | $104.73M | $85.62M | $355.00K | $10.60M |
| Jun 2025 | $106.72M | $92.60M | $415.00K | $10.61M |
| Jun 2026 | $119.77M | $105.45M | $551.00K | $11.30M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $105.45M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $105.45M.
Similar-sized banks
The Hamilton Bank ($119.81M) · First Community Bank Of Moultrie County ($119.74M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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