# KEVIL BANK
KEVIL, KY · FDIC certificate 10142 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $32.1M | |
| Deposits | $27.7M | |
| Loans and leases | $6.4M | |
| Total equity | $4.4M | |
| Loans / deposits | 22.63% (p4 of band) | 66.54% |
| Liquid assets / assets | 79.69% (p97 of band) | |
| Uninsured deposits / deposits | 15.77% (p68 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.84% (p73 of band) | 10.04% |
| Unrealized securities loss / equity | 17.00% (p98 of band) | 2.48% |
| AOCI / equity | -2.45% (p4 of band) | |
| ROA (annualized) | 0.14% (p15 of band) | 0.72% |
| Net interest margin | 2.61% (p11 of band) | 3.55% |
| Efficiency ratio | 95.07% (p87 of band) | |
| Noncurrent loans | 0.42% (p29 of band) | 1.19% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 625.93% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 0.11% (p15 of band) | |
| Auto loans | $226,000 (3.51% of loans; DQ 2.21%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-14 [Obituary information for Betty Lou Jerrell - Milner & Orr Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE0xMDRCQ3ExMG9xS1hpSXBzYWVPajE0MnF2ZGtDZHBUZXF5NWpCSXdWRi02R2kyS29rVUlQV0RGaWxYRERueEZfX25zMjNTUkRNa2I0enlTYlljUm5sTmNQNV9YcFBNNVZwWU1RRFBIejVIdXpZa3Z3VW5wcw?oc=5) · Milner &amp; Orr Funeral Home
- 2022-01-02 [Obituary information for Richard S. Burnley - Milner & Orr Funeral Home](https://news.google.com/rss/articles/CBMiekFVX3lxTFBncG1WVWZjX0pQUWt1cGxSWC1ZV2hXMVRoTEtra1QzWVlEUV84d0J1SGMtQjJ3VWxXNHZLTWVOV1BRc3NVdjNYeVVXTmtFdlgtS1VBTW9iR1dwN3ZORFNNLUlTVmtSNEM1VjRwWUFMZW9nUno5cnJpb2R3?oc=5) · Milner &amp; Orr Funeral Home
- 2022-06-25 [Sara Vaughn Obituary (1933 - 2022) - Paducah, KY - The Paducah Sun - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOdGxmQUc0TXJ3cHYxbUxoZVFncGxpeUsxc2tyMFNYaWpDRUZqMzNlOFIxTjdGOUZhdnhhb3NxY1c0M01VbmxuWkpkT2psMUluRFZITXNMcUhRMkE1MWFKUlhDZS1ETTNnUE9wU0psWXpYM0stc1pPVVVJa2hlRnhFWVgxc2VwNFJhMVJVR2FB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10142 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "10142", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide