# KENTUCKY BANK
PARIS, KY · FDIC certificate 734 · asset band $1-10B · latest filing 2021-03 · 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 | $1.27B | |
| Deposits | $1.03B | |
| Loans and leases | $767.8M | |
| Total equity | $122.7M | |
| Loans / deposits | 73.31% (p38 of band) | 78.58% |
| Liquid assets / assets | 33.91% (p67 of band) | |
| Uninsured deposits / deposits | 17.49% (p16 of band) | 30.21% |
| Brokered deposits | 5.05% | |
| Wholesale funding | 12.78% (p85 of band) | |
| FHLB advances / assets | 7.06% | |
| Tier 1 leverage | 8.84% (p30 of band) | 9.59% |
| Unrealized securities loss / equity | -0.54% (p28 of band) | 0.45% |
| AOCI / equity | -2.29% (p27 of band) | |
| ROA (annualized) | 0.95% (p24 of band) | 1.23% |
| Net interest margin | 3.03% (p37 of band) | 3.23% |
| Efficiency ratio | 71.66% (p87 of band) | |
| Noncurrent loans | 0.53% (p55 of band) | 0.47% |
| Net charge-offs (annualized) | 0.17% (p94 of band) | |
| Reserve coverage of noncurrent | 232.32% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 12.34% (p13 of band) | |
| Auto loans | $6.7M (0.87% of loans; DQ 0.21%, NCO 0.00%) | |
| Loans to nondepository financials | $9.5M (8% of equity) (p89 of band) | |
| Deposits YoY | 20.3% | |
| Employees | 222 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 0 |  | reserve under noncurrent, capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 | capital falling | reserve under noncurrent |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 | capital falling | reserve under noncurrent |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | wholesale funding >15% |  |
| 2018-12 | 1 |  | wholesale funding >15% |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 1 | wholesale funding >15% |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | uninsured deposits leaving |  |
| 2020-03 | 2 | capital falling | uninsured deposits leaving |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | expense ratio p90 | capital falling |
| 2020-12 | 0 |  | wholesale funding >15%, expense ratio p90 |
| 2021-03 | 1 | charge-offs p90 |  |

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

- 2026-05-01 [Suspect federally charged after 2 employees fatally shot in Kentucky bank robbery - WLWT](https://news.google.com/rss/articles/CBMilwFBVV95cUxNQnc1aWdmb1BzTTc3Mi03YWF6eHN1X1RrS2RVSF9wTkQ4VWFCQldXSXI3Q0R2MnEtZUxwakFUZGxoUWU2amhIbG4xS2RWSU1iaTc1WDQ0SXFFY1lYZUViaFFsN29fS2dCTE1IM1QwUFdPdHNUWUhQWXBtOXIwek5hMkJaWWh1b1hQd2xnQUpobS1fU21lYjE4?oc=5) · WLWT
- 2026-05-01 [18-year-old facing federal charges in deadly Kentucky bank robbery - CBS News](https://news.google.com/rss/articles/CBMiekFVX3lxTE5ZY0dFalhqcmtzb3c2MURqVWR3MVVQVi1tZzc1OWpxRlNCWFk0WTdIMVdRV0lDOEtNWjlDV0xsVXQ1MGJETmNScnZ2RmQzeFI3RWNwbE91SndKWWF2UEZKSFdhVk5ieDg3U05mWkNsNFVBME54eEo5UnpR0gF_QVVfeXFMTlpRTTlRZVNjb0Y5blQxZVJaOWVTVThuT1FwOXhCc3JWYjhfUmxjN1pEc3pjUnV5RW0tX1BvQldLcFNtSXNjYnJRY3ZWN1NmU3JhQnpQUjVTZTFuanRVS3ROWWRqZmRNLUpOdjJybzI3ZW9QTVBYZDlQcFZhdGNKWQ?oc=5) · CBS News
- 2026-04-30 [Suspect in deadly Berea bank shooting identified - WKYT](https://news.google.com/rss/articles/CBMie0FVX3lxTE8yemoxWFJxbF91bFNqUGxHN0hUUE51enVidUZIaHh6ZEJlTkdObUZqSktRVUgwZlVyNndpYk1Bb25EZlR0ME52aDVjM29MZHNiS01NQ3FQbGJod3ZUSWkyWDhnQlVsVUtJcG43UmNibU10QkNZZDJCaDE1aw?oc=5) · WKYT
- 2026-04-30 [2 employees killed during bank robbery in Berea, Kentucky; suspect at large - wlky.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQUURkX1ZVQ3M5RWtOTTh2dUpDTHZHX21CNnZvejV6aWNWZXA2VjZ0SHNkd0NuNkdobFNVaWF2dGhGb2JkWjZjVGtRbElLeEg3MFhDN0tUMTJRTzZhcHhTTlZ4ZjkxZEt2LVZjRktBbDBqQjNqX1ZDY1FKNDQ2UVB5eVNyLVhBODc0?oc=5) · wlky.com
- 2026-05-01 [Person of interest in custody after 2 employees fatally shot in Kentucky bank robbery - kcra.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNdldLeUFIWUJsR1NxbGNGN3dRSUtGU1lXLV9rZnpXTkhXUmtwZXRrNkNod1V2LXBKbTRjZ2h5TFhDbWdRVFBtU3BRR0JIb1RqckdielF4YWxqZk5fd3E1QzJjVHF0dXVTU01IbjduLW9lTWhCdlFsa3EweFl0aGxSMUJQb1E3andf?oc=5) · kcra.com
- 2026-04-30 [Timeline: Berea bank robbery leaves 2 people dead - LEX 18 News](https://news.google.com/rss/articles/CBMivAFBVV95cUxPQmQtR0VocEZsZ2ctQUhyWl9YRmJQNS16X1pZcHdPZ2JiYXVQclBGTEQ2MzQ3WmVXY3FUbTNrd2xXTHA3VWJmcThhXy1Nb2JweFh2RVR4U1hvbllrUG42V2tKRkZiNFFoazRtbWpCNHVsXzJ2WFF0ME9UZHJBODM4YlVEeHJjQkY1VER4NEJCRHQxdW9UVGYyMGRKZGZiUk9ncmFiZ1BrYm1mMHRDRzJqWkJ1Rkw1QXV5cGl4Nw?oc=5) · LEX 18 News
- 2026-05-01 [Kentucky man charged in deadly bank robbery after high-speed chase - AP News](https://news.google.com/rss/articles/CBMikAFBVV95cUxNUjRWN3M3bXRnYzNGdThsQS1scFF6RkRuaWJ1cXlnYzZrOUVoSDlMYmg1c3FvbUVQVHJFLXpvZmtIU183YjBPcjlLdmJQZ3BDZF9aZHZubjl5LTFnOW82dVl0SUk3TXJTYVhlemdtRl9YV25pM3VyUzJQS2dwdGktSG5qeENHa2kxQzBMeEJ6MlQ?oc=5) · AP News
- 2026-05-01 [Suspect in custody after Kentucky bank robbery leaves 2 employees dead - WPDE](https://news.google.com/rss/articles/CBMioAJBVV95cUxQYkZrYzdLbW1IbkhESnhOeVRNRDYteE91QlpSaHYyYU9XRFFOdXVyWjIwUG15RmpINzRkYXp0UFU1a1lKV1NaTW5qN1FVTnU1a2UweV9BSUZxODlTbEp6d0YzZWE0S1U5eXpUUlY4T1UtTnJJQWdZaW5TVnhMbTNOUWxxUVRQRGxOR3E2OXNIdlBfSlJxQVNzZFdyczF0Y0lmdklLTWFPdnlaUnZiSWtrZ1pNNDcyRnV6UUtPZHJsaEdBQXhSaTR3b18wNmtzLTNGU2lrMmRDX0hxTmVDRURhSGo2VVFsYnBWNmZOdzB3WU5RNlZKd2taNXQ2LWk0eXNDRHlJQ0ZwQXp6U19TREVvTC00UjBxVHBBMUZXSlByUmk?oc=5) · WPDE

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=734 (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 "734", 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