# BANK OF KENTUCKY INC
CRESTVIEW HILLS, KY · FDIC certificate 33022 · asset band $1-10B · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.90B | |
| Deposits | $1.60B | |
| Loans and leases | $1.28B | |
| Total equity | $223.5M | |
| Loans / deposits | 79.09% (p40 of band) | 84.25% |
| Liquid assets / assets | 27.12% (p57 of band) | |
| Uninsured deposits / deposits | 24.86% (p51 of band) | 24.35% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.06% (p19 of band) | |
| FHLB advances / assets | 0.53% | |
| Tier 1 leverage | 10.42% (p62 of band) | 9.88% |
| Unrealized securities loss / equity | 2.44% (p58 of band) | 1.91% |
| AOCI / equity | 0.57% (p63 of band) | |
| ROA (annualized) | 0.94% (p52 of band) | 0.92% |
| Net interest margin | 3.11% (p26 of band) | 3.44% |
| Efficiency ratio | 66.37% (p51 of band) | |
| Noncurrent loans | 0.64% (p40 of band) | 0.80% |
| Net charge-offs (annualized) | 0.30% (p93 of band) | |
| Reserve coverage of noncurrent | 161.18% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 46.82% (p66 of band) | |
| Auto loans | $2.8M (0.22% of loans; DQ 0.39%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 308 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |

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

- 2016-06-22 [BB&T to acquire The Bank of Kentucky Financial Corp. - SEC.gov](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSHVEWWMyTEN5ZHZWNG1rS2VPaDF2R0xkYkN3dXJtaDFfaWIzSVNhblVOdXhiT3FjU2pHdXc3WXZqVXYyYnRqN3dsSTY0YU5JejhlMWh0ZzhCME5Pdl9Nbnl6YUFkTG5tTG9pLWdISFhUbzVYZTlPLS1MWE9nQ29yd0NR?oc=5) · SEC.gov
- 2021-10-27 [Central Kentucky financial institutions help customers navigate pandemic - The Lane Report](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbGpDQ000ZkN3eU1ic0Z5dWxCcmVXeGFxbG9VMGVoSVhKVFBnZjhrdzdwd1JyeWtrOEg1VVVHNUZLMW1GSEw1VmtzaE5CUjkxLWRNRlpZSnkzNUFFMlJadDFUSVQ2akxfZDZpN09mUWVESEdJUUxLR0dnN0dWRWxuNjRsTE1vT2VsMVJCajlacnlmQ3o1RVppWTJuREVzazRUcVlrdUxSeUlPYlJVZWdPTjZ6bENQdw?oc=5) · The Lane Report
- 2026-05-29 [As Peoples Bancorp Tries Buy and Dump in Kentucky Fair Finance Watch Writes to Warsh - Inner City Press](https://news.google.com/rss/articles/CBMid0FVX3lxTE5mc01HdzB1ZklnOGU1TXRWY3FNdzhHUFJKTHhiT01URmRsQUdJcG84MTltdTdocUdZV2h5dEVPb19BdS1lRnNadU12Ym43R2thZlVIaFliUnBzNDAwVEotNzVhcVR3bFlzVlFudDNmMHNjSGpQSU80?oc=5) · Inner City Press
- 2019-10-11 [CKY Market Review: ‘A good year for Kentucky banks’ - The Lane Report](https://news.google.com/rss/articles/CBMilgFBVV95cUxQbUJiMUdDSVJzeHZ2YzRSZXAxay15YU1icFRwN2ROdDZ6NWV3MlRpSVViY0Q0b0pOQ3NDMFYtTGtJVEsxZDJpY1Q5SnB5aGxLbTJ6VmllUnFxaUlOQnZpSTVXLXMwWmxEV3lNM0tHN29lbEkxbnJfYU1VSDZReTlmVzZZMnhlUloxRkV0V3FPRlhGRjZ6MGc?oc=5) · The Lane Report
- 2018-06-15 [Will Ziegler’s 60-year law legacy is as rich as the Northern Kentucky region he helped grow - Northern Kentucky Tribune](https://news.google.com/rss/articles/CBMivwFBVV95cUxQZ1BKSzdfWEswMWxXWkJEeXl0VzVfZF91Tkt0ZVdWWmgtam9LX3p4am1aSWIxRFV0ck5KS19hb1FQSFF6aXN4eUREQmFpakdsNmYzNDRKZFAxb3ZrVUlFZHpjb2hkQWZrWklhb3VFRjhuQ25aM2k4VEhwUXdHNWFHaU5mM2M3eEFtTFpuRU9EWFMwQi10V083ZGFLblFqUWFaR3k0VTNLRS1yWlNoWl9kZ0VhM2hYZ2hPc0hQa0VNcw?oc=5) · Northern Kentucky Tribune
- 2009-06-10 [Flemingsburg adopts rules for reservoir – Ledger Independent - Ledger Independent – Maysville Online](https://news.google.com/rss/articles/CBMijAFBVV95cUxPc2RkNlhYUk9GZHJLR3h3V0d3ZGgwS0poWlNVUnQ1TWNiUnJVbzYzWk1CSi1OakQwZG42eG1SazBNaS12TF93RzVhSWhsVnRKMEpScW5YUkE3VWM1NFhPTHRnZWFPUjFMc2FyQWItbTZPVVc5ODlzLUxxZHN2VmlKd3lOSFRlMHFCY19NSw?oc=5) · Ledger Independent – Maysville Online
- 2016-08-29 [Louisville home builder says foray into apartments will be 'small but powerful' development - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPUnZqQ0k1dmtHSlBzVnJtdDY2NlZ2M3U1QUpTemFTREFIUHZrZEZjSGRNcUhNMTlxcVh5YmIydEw5NlpNVEZGbTJnRTk4bXBZQmFFSUV0OUM3V3E4aHRKREl0OWZhbzhTLXYyMWNvZHAtVkpTUjBtLWlQZFpqVXVHdXZCU1V2V3ZUZUpLNlhja2ZtZ1g1SjhHVUlPTXY3aFI5SG11SHRNVjlyMWpaUGRR?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33022 (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/62.json (key "33022", 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