Total Assets
$439M
Total balance-sheet footings
FDIC Cert #15708 · Liberty, Kentucky · Est. 1939
The Casey County Bank, Inc. - FDIC Bank Health Profile
A community-scale look at The Casey County Bank, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $439M
- Total assets
- A
- Health grade · Excellent
- 1.13%
- Return on assets
- 11.6%
- Tier 1 capital
Data updated July 2026
The verdict
The Casey County Bank, Inc. earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.64% Tier 1, profitable at 1.13% ROA, efficient (57% cost ratio).
- #1,958
- largest of 4,313 FDIC banks by assets
- 55th
- percentile by asset size, nationally
- 11.64%
- Tier 1 ratio - above the 10% well-capitalized line
- 52nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Casey County Bank, Inc.'s 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Casey County Bank, Inc.'s composite health score
Tier 1 Capital Ratio (11.64%) 28/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (2.27%) 20/20
Efficiency Ratio (57.34%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$306M
Customer-funded liabilities
Net Loans
$212M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Casey County Bank, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Casey County Bank, Inc.'s score of 80/100 falls in the highlighted band.
The Casey County Bank, Inc.'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). The Casey County Bank, Inc.'s $439M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.64% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.64%
Texas Ratio
2.27%
Equity Capital
$36M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
15.11%
Efficiency Ratio
57.34%
What the numbers say about The Casey County Bank, Inc.
The Casey County Bank, Inc. is an FDIC-insured institution (Certificate #15708) headquartered in Liberty, Kentucky, established in 1939. It holds $439M in total assets - 1,958th of 4,313 FDIC-insured banks, $306M in customer deposits, and $212M in net loans. On safety, its Tier 1 capital ratio of 11.64% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.27% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (80/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kentucky, The Casey County Bank, Inc. ranks 46th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$23M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Casey County Bank, Inc. reports a Texas Ratio of 2.27% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.27% - 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) The Casey County Bank, Inc. (FDIC Cert #15708) - 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 The Casey County Bank, Inc.'s health grade?▼
The Casey County Bank, Inc. receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Casey County Bank, Inc.?▼
The Casey County Bank, Inc. holds $439M in total assets and $306M in deposits, ranking 1,958th of 4,313 FDIC-insured banks by asset size. It is headquartered in Liberty, Kentucky.
Is my money safe at The Casey County Bank, Inc.?▼
Yes, deposits at The Casey County Bank, Inc. (Certificate #15708) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Casey County Bank, Inc.'s Tier 1 Capital Ratio?▼
The Casey County Bank, Inc. has a Tier 1 Capital Ratio of 11.64%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Casey County Bank, Inc.?▼
The Casey County Bank, Inc. has a Texas Ratio of 2.27%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Casey County Bank, Inc.?▼
The Casey County Bank, Inc. has an Efficiency Ratio of 57.34%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Casey County Bank, Inc.'s profile as a depositor or analyst.
- The Casey County Bank, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Casey County Bank, Inc. 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.