Total Assets
$116M
Total balance-sheet footings
FDIC Cert #9669 · Fredonia, Kentucky · Est. 1894
Fredonia Valley Bank - FDIC Bank Health Profile
A community-scale look at Fredonia Valley Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $116M
- Total assets
- C
- Health grade · Fair
- 0.85%
- Return on assets
- 11.9%
- Tier 1 capital
Data updated July 2026
The verdict
Fredonia Valley Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 11.92% Tier 1, 0.85% ROA, 70% efficiency ratio.
- #3,620
- largest of 4,313 FDIC banks by assets
- 16th
- percentile by asset size, nationally
- 11.92%
- Tier 1 ratio - above the 10% well-capitalized line
- 33rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Fredonia Valley Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Fredonia Valley Bank's composite health score
Tier 1 Capital Ratio (11.92%) 28/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (14.01%) 16/20
Efficiency Ratio (70.32%) 4/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$101M
Customer-funded liabilities
Net Loans
$72M
Outstanding loan book
Net Income
$937K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Fredonia Valley Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Fredonia Valley Bank's score of 62/100 falls in the highlighted band.
Fredonia Valley Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Fredonia Valley Bank's $116M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.92%
Texas Ratio
14.01%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
33rd percentile nationally
0.85%
Return on Equity (ROE)
8.61%
Efficiency Ratio
70.32%
What the numbers say about Fredonia Valley Bank
Fredonia Valley Bank is an FDIC-insured institution (Certificate #9669) headquartered in Fredonia, Kentucky, established in 1894. It holds $116M in total assets - 3,620th of 4,313 FDIC-insured banks, $101M in customer deposits, and $72M in net loans. Its capital position: a Tier 1 ratio of 11.92%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 14.01% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Fredonia Valley Bank is a community-scale institution -- 104th of 120 FDIC-insured banks headquartered in Kentucky by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$6M
Interest Income
$467K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Fredonia Valley Bank reports a Texas Ratio of 14.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
14.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Fredonia Valley Bank (FDIC Cert #9669) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Fredonia Valley Bank's health grade?▼
Fredonia Valley Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Fredonia Valley Bank?▼
Fredonia Valley Bank holds $116M in total assets and $101M in deposits, ranking 3,620th of 4,313 FDIC-insured banks by asset size. It is headquartered in Fredonia, Kentucky.
Is my money safe at Fredonia Valley Bank?▼
Yes, deposits at Fredonia Valley Bank (Certificate #9669) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Fredonia Valley Bank's Tier 1 Capital Ratio?▼
Fredonia Valley Bank has a Tier 1 Capital Ratio of 11.92%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Fredonia Valley Bank?▼
Fredonia Valley Bank has a Texas Ratio of 14.01%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Fredonia Valley Bank?▼
Fredonia Valley Bank has an Efficiency Ratio of 70.32%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Fredonia Valley Bank's profile as a depositor or analyst.
- Fredonia Valley Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Fredonia Valley Bank against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.