B
Fredonia Valley Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Fredonia Valley Bank
Fredonia, KY
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Rating B
Asset Quality Index 5.70
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 4.20
Stability Index 6.20
Company Info Fredonia Valley Bank
Fredonia, KY
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FDIC Number 9669
Phone Number (270) 545-3301
Website www.fredoniavalleybank.com
Asset Quality Fredonia Valley Bank
Fredonia, KY
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1-Year Asset Growth 1.90%
5-Year Asset Growth 6.07%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 1.00%
Non-Performing Loans to Capital 10.61%
Non-Performing Loans to Loans 1.40%
Balance Sheet Fredonia Valley Bank
Fredonia, KY
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Total Assets 106.72M
Total Deposits 92.60M
Capital and Reserves Fredonia Valley Bank
Fredonia, KY
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Capital 10.61M
Leverage Ratio 12.66
Loan Loss Reserves to Loans 1.42%
Risk-Based Capital Ratio --
Liquidity Fredonia Valley Bank
Fredonia, KY
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Hot Money Ratio 19.32%
Liquidity Ratio 22.92%
Profitability Fredonia Valley Bank
Fredonia, KY
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5-Year Return on Average Assets 0.96%
Net Income 415.00K
Net Interest Spread 3.59%
Operating Profit to Average Assets 1.00%
Overhead Efficiency Ratio 74.31%
Return on Assets 0.78%
Return on Equity 7.93%