# FREDONIA VALLEY BANK
FREDONIA, KY · FDIC certificate 9669 · asset band <$300M · latest filing 2026-06 · live

**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 | $119.8M | |
| Deposits | $105.5M | |
| Loans and leases | $73.2M | |
| Total equity | $11.3M | |
| Loans / deposits | 68.34% (p42 of band) | 73.59% |
| Liquid assets / assets | 32.85% (p51 of band) | |
| Uninsured deposits / deposits | 17.82% (p42 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.90% (p59 of band) | |
| FHLB advances / assets | 1.90% | |
| Tier 1 leverage | 11.49% (p46 of band) | 11.76% |
| Unrealized securities loss / equity | -29.31% (p14 of band) | -6.57% |
| AOCI / equity | -1.04% (p27 of band) | |
| ROA (annualized) | 0.93% (p37 of band) | 1.17% |
| Net interest margin | 3.92% (p50 of band) | 3.93% |
| Efficiency ratio | 70.34% (p61 of band) | |
| Noncurrent loans | 1.19% (p74 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p69 of band) | |
| Reserve coverage of noncurrent | 128.88% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 11.03% (p40 of band) | |
| Auto loans | $841,000 (1.15% of loans; DQ 9.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.9% | |
| Employees | 22 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | wholesale funding >15% |  |
| 2011-09 | 1 |  | wholesale funding >15% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | wholesale funding >15%, uninsured deposits leaving |  |
| 2012-12 | 2 |  | wholesale funding >15% |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2016-03 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2016-06 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2016-09 | 2 |  | noncurrent p90, uninsured deposits leaving |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | noncurrent p90 |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | uninsured deposits leaving |  |
| 2020-03 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2020-06 | 2 |  | charge-offs p90 |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | uninsured deposits leaving |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 3 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2023-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 4 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2024-06 | 2 |  | capital falling, deposits shrinking |
| 2024-09 | 1 | reserve under noncurrent | securities losses >30% of equity, uninsured deposits leaving |
| 2024-12 | 3 | capital falling, securities losses >30% of equity |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 3 | capital falling, noncurrent p90 |  |
| 2026-03 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2026-06 | 1 |  |  |

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

- 2026-07-26 [Fredonia Rolls Out New Welcome Signs With Help From Local Bank - WPKY](https://news.google.com/rss/articles/CBMisAFBVV95cUxOMUNZZ09GV3VxeFRUeHFQRkhnVWduSENMUjRaQ1NSbGJQMmcwYVQyMXdib3JqSEhBX1VLS01mcm5ZZTA2TWpEdE5JSjhYaF9SSlVEVUJOU2kzU3BmSVpYSXhMa05DUE9fQzV3d1ZCRkhiOEdvZFNMWmJKSkpNaVlYYVFMMk1qMXJjV3RLdkxwcURyeEtSTG55M0stelJoY0ZnaHJQODc0M05YZTlkczVlcA?oc=5) · WPKY
- 2020-10-15 [Super Shredder at Fredonia Valley Bank in Eddyville, Kentucky - WPSD Local 6](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNTjBkN3JZS2g5OGZiV0psSndEdWVTVEFLZmJ4Y3lJdEZoREliNVEySXd2Z0lpckh5OUhtRnpUaXZVYW51b2dDaWZEaFdEUmI1aUFKcWoxVXdSeEpWZHZZaG9FbU1aYnI1UVdQYXRURVdXcGMzSDNDUWpZTXJPbGZLUl9qbXByT0cweG5YYTMwcXFCNTdQMFVJbEhSS01GLXlnMjB6QnpSNGJwVHRLOW1zZURLZzZqenVzTVRKREpQa1VXeDdhTHhyZTlyN1hBQzFFLXZjS2RDMA?oc=5) · WPSD Local 6
- 2014-01-27 [2 arrested in connection with bank robbery investigation - KFVS12](https://news.google.com/rss/articles/CBMimwFBVV95cUxONE9lWm5JNzJubUp0Z3Z1TkdwQlgzMWJNV2pNX05KT1BNNXNLdHZsRjVyenptQlg1ZEJfRklmN1V3MnFiWWVKNUh2UWI4SGFTeTZxMVhvMlZ2aUlmTURSbGxBM1pHYnVsNlR3R0h2MXlxYmRkTzVHQklwMjJPTTZhNkw1czJVTWlsak44cXZHODhmVDlRb0NZRnFvTdIBrgFBVV95cUxORGtOSFVTWUxvSlJUZUE2QjFfeVBSeUt5S2ctX29oZTE2aGZQdkNuMHA3alpLd3hxcmswSS1BTkZrWkdaTVpSck5NZTE4eUtzcWlKdzI0cFJJMWFfVVNMajVUUGRxbDZ0ajhaVFl0dm93bFM5WmUyMU1RcTFNRTRxOGI4RU9xTDBJRWRJVGttajNhbklrZEpPaU1QNmgtSGFoV2huM1BnaTlpQ3BCVEE?oc=5) · KFVS12
- 2022-03-31 [Fredonia Valley Bank Welcomes New President/CEO - WPKY](https://news.google.com/rss/articles/CBMinAFBVV95cUxOOTJXVHRPTVl6OTJrbWRjY3NMWjM3Y3FCMjBUdmJpUkhZRDNSbnQ3UUwwX0JVdnZrQzBNMGNndW9PSUxjZFV1OUg3cjFXR3k2SjUxQ0paSndNYjBXMUMwOGxLZklvLWIyVzE3b0dvR0xZT1c0djVpN1FwekUwV3pteGtxX3dBbG15RlJ4aS1QQzlzXzlvQVFRQXRrUzg?oc=5) · WPKY
- 2014-01-29 [Attempted murder among charges: Bank robbery suspects in custody - timesleader.net](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNLVdzLV9ZYWgzblFjejhCeGZHanBMVXdkUE9rSE1yWDBTRTRGandLV0hXdlhPNklORGtLTDk5aW9ackJHeExfVWJ1cFphUHlXbGt2cTNwbC1nZGM1cktaRzFWM25JN204T21JOUR0ZkdqX2ZnbEcyOTg5dDF5SUZFWWNlXzJqNVp5bllERzNvOWQzVy1na01zT1hIOGxBaTVJYXBjdVUxTnh6VG9Gbnp2dVdKTHFJbzNmWXhWTGdvZUtGdF9PQno1cE4xSVNLYlg1V3U4RzRQYXVfQ3UzV2lF?oc=5) · timesleader.net
- 2023-06-08 [Inaugural class of Leadership West Kentucky graduates - Tribune Courier](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNd3M0S0UwWGZmV09RV1BnMFlSOXB1ODVBNFdVMzlibVJvS2NZSVNzVVJxODdYeV9WN1NVaS1Rc2c0UnVYWmFvd2pmd3Foa2pKb2paWjBnTk5SZ05nSWlObVYtTG81YnNfZ1B2am1Mb1NtWHlETjhZUVZMNk4yVVJFaXdoRVVZcEZaZ3A4YW1KS3FJcUxpN1VrS2Jtc255TDNldzF6MVpCVGFhV2JjTEg5bVpSaUtOaWxmd1NZd3djaGx1MjhwT0tRTURVdVhtOVN2Nnk2THBn?oc=5) · Tribune Courier
- 2017-06-08 [Nathan Waters Obituary (2017) - Kuttawa, KY - Dunn's Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNV21tLUR2VUpYbWpEdE1QTlFOUS1IWkVUeDBCVWdIRTVzdXN1R0F3aU50ZGFMQUJwcHpvRnpUMU1OR2lzc3FSM2hIRVhQMG9rWjFfSmFLT2pzNktOZXdQeDJ6dnp2LThGbmQyUG5yYkRlLU9zN1dSR1VseC1uOFJNdkppVEg?oc=5) · legacy.com
- 2022-12-01 [Christmas Tree Lighting Ceremony At Fredonia Veterans Memorial Friday - WPKY](https://news.google.com/rss/articles/CBMiugFBVV95cUxNckxNT25rSjZaVkFLTy1sYVlMcmh1akZEdl9Ib1RueU9lM1pxdkFFbElIVUZqbURBaW9yYS1vZ3ZrWXRRQk1iV1AwcU9nRmlwRVVOY1VtVGFiak12MXRlSm1LVVRkN0NSSzZaRlcxM2ZuYVVBTXBTT1hvSFk1eEJRc1NFbWU4cUt6cTRfLTVnNDBVdnkxZUhnT1p1QzNOS3FJVkhGNEI0VzNWQ1ZmTDVHbVZnOFAzbU5BZ0E?oc=5) · WPKY

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9669 (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/5.json (key "9669", 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