# TAYLOR COUNTY BANK
CAMPBELLSVILLE, KY · FDIC certificate 15590 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $243.8M | |
| Deposits | $217.3M | |
| Loans and leases | $165.8M | |
| Total equity | $25.4M | |
| Loans / deposits | 75.64% (p54 of band) | 73.59% |
| Liquid assets / assets | 30.44% (p45 of band) | |
| Uninsured deposits / deposits | 22.52% (p60 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.86% (p62 of band) | 11.76% |
| Unrealized securities loss / equity | -25.71% (p17 of band) | -6.57% |
| AOCI / equity | -1.20% (p23 of band) | |
| ROA (annualized) | 1.57% (p71 of band) | 1.17% |
| Net interest margin | 4.28% (p67 of band) | 3.93% |
| Efficiency ratio | 54.95% (p23 of band) | |
| Noncurrent loans | 0.97% (p70 of band) | 0.36% |
| Net charge-offs (annualized) | 0.59% (p98 of band) | |
| Reserve coverage of noncurrent | 92.92% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 39.69% (p72 of band) | |
| Auto loans | $4.3M (2.58% of loans; DQ 0.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.2% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 2 | capital falling, securities losses >30% of equity |  |
| 2025-03 | 2 | reserve under noncurrent | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | charge-offs p90 |  |

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

- 2023-06-07 [POLICE: Suspect in attempted bank robbery in Taylor County arrested in Indiana - WDRB](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQYlpnZWhnUlVDNlQ4Z285QUN4a2F3Rkpzcm9Eei03LVJtSlNYTGFZdG5nQTZhYUNyaFczUGpQaG5lZzlfVzc4aExWTm1OX2MtVm9pc3dKQXVwTmxlajBJbmZPSW1LM1dmczh6eG1ZU1lET05hMldaY1BXWUU5d3c4U3hsendqS2V6UHQ0bF9zNzVhMkJtWkxqNHZCVWdzOXNjcVRCTmlmeWUxQ2JpdnRpQVBITURPaUc3ZGdLSmJ5cWlfTUpmMi12SS1QYWRYdVdaVHd1MHdYMVlJSU1Ba0V0dHZQVV83ZTd1SW5hWm96M2xYWGpweUoxRWxTNA?oc=5) · WDRB
- 2017-10-03 [Lexington man arrest in attempted bank robbery - WKYT](https://news.google.com/rss/articles/CBMimwFBVV95cUxQMUFWOWlCRXh0NTdEcG0xeFNlWjgxZV9OQTRybFFlYmhlTllGcGRCbk1JMUJPY0FUY1ZIRktDRTAxcWxjd3dWRFB1MnZMY1ZuRzVWLWpkVnRyWl9aSDhibUNaUWZGaldoU1I1NzRfcmJDZlhSVFZPbXlYN1puTW84WUtOcnJQYVYyaVR0dHFjeFRveWZQY0NwaEF6WdIBrwFBVV95cUxOQnZweDl0RlVRZDNGRHQxVjZxYjJZUVh5QnBQV2NMcmI5TjN0VEpFOG1KWTdOT2QyUkZmRnZxMnd5R2gwQVVTZVAxbzN4ZEhzaGszaVY0UVZJZ3hqZXFVenlaZFItYmFRYTVwWTJnUWUtSjBJLV96Rzh0aVU3SmxmeWhIdXFLUlJiTnlBR1BwOU9BTFhNVF9iY1d2eDhFU0pSaTZUNzFGQ3JaOEZ5c19F?oc=5) · WKYT
- 2021-02-10 [Winter Weather Cancellations - WVLC-99.9 FM](https://news.google.com/rss/articles/CBMiUEFVX3lxTE04UjVSclhueUJNVzJRMk9SV1NDWGFEZm1wRE9jenRNM1RtYVlhd3h3aXdLdE52S1pCNWEyU292M1VTdFRBYUxZcGRwUTNmRUdQ?oc=5) · WVLC-99.9 FM
- 2023-01-06 [Investing in financial literacy for Kentucky youth - Kentucky Living](https://news.google.com/rss/articles/CBMilgFBVV95cUxQcWoxeGpxWUg4S29Xc09sNjZBWlBvZlNhYnVOVmpZVGJ1YlRUX2JJR1lqV2VJMG5hRkplZ1dqQmtFcGUwTmVoNGdwak1zQ19TRlRHVFBxYzBOWnN4M2wyd2ZvX0JRZnBleTFGRTRxbUNpLXJnanR6ZUpXY0pCSklTNXpSb0xJSUFQTUtkU2prM2I5cVYxSkE?oc=5) · Kentucky Living
- 2021-12-21 [Mabel Crowder Obituary - Louisville, KY - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOUGtIUXl1Z2xnTHhfZU5peWpXV1NjQncwX3lINTY0UDk1cTJWV3NOTEpnNEU0ZEtnNXpfeUx0WkdVc2NXcjR1N0dXMHZXNXZtY1FOTUNQMGRlQVk0Q01NTmVNdGpsSmlidWJ0WU9GMEh3TUd6WjNvVzA0YmI0QXJnRzJEb2EzZw?oc=5) · Dignity Memorial
- 2026-04-29 [Donna Rodgers Obituary (2026) - Campbellsville, KY - Parrott & Ramsey Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPdXYwZ3VCZWpOcG5GdEJwd0lrelhVZnMxU21ya2o3dXpuZW1wa0dqWERJQ1BvYTF4bC1oMFQxTThXRk5FT2JHM2ZxMHFxbzY2UzBOaWtnUzVQQ1BxZlVPeDdqMXRFSjljOE5TVHN5TVFXUm9kY3AxR2tJazdzX3g5RV93?oc=5) · legacy.com
- 2021-12-12 [Here's how you can help Kentucky rebuild after devastating tornadoes - LEX 18 News](https://news.google.com/rss/articles/CBMimgFBVV95cUxNc3lwNWwtS1Exd3ByUFlESldFNUp6aHc2TG9IdkloZzcxR2FJeVFqNGRNQmh4M3pNLUVTU3ZjQXZWbGlJNkt5Nk5seDU2VXVYSmVYbVhYWnMxUUkyOVlTSTVzbFl1NnBmVjlfOEFZVnF0YmI2eWxMYlVYZmVaek8tVm1iYm9RN05MTHlXQzl1ay0zY1l1WEJTbFZB?oc=5) · LEX 18 News
- 2021-12-14 [How to help victims of the tornadoes. (Published 2021) - The New York Times](https://news.google.com/rss/articles/CBMihgFBVV95cUxQV0dYeGczZXMxS0s2QzMzVm1Tdk1GQUJsQ3dnNUVHSUNQMW1ZMEs1a1hTbDZCcVctNkljNklxRmhETlQ5b0FyaTh2STVXZWdqa1Jxd0hzZllSY2JZTlRXdDRqYVdvWHhPQzdtNnJIVTcxQnVVSkN3R1RRSWhyaWdJc2xMaW14UQ?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15590 (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/38.json (key "15590", 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.

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