B
Fredonia Valley Bank
Rating Date
August 2026
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 6.00
Capitalization Index 10.00
Liquidity Index 3.10
Profitability Index 4.50
Stability Index 6.00
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 12.22%
5-Year Asset Growth 3.85%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.25%
Non-Performing Loans to Capital 5.83%
Non-Performing Loans to Loans 0.41%
Balance Sheet Fredonia Valley Bank
Fredonia, KY
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Total Assets 119.77M
Total Deposits 105.45M
Capital and Reserves Fredonia Valley Bank
Fredonia, KY
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Capital 11.30M
Leverage Ratio 11.49
Loan Loss Reserves to Loans 1.53%
Risk-Based Capital Ratio --
Liquidity Fredonia Valley Bank
Fredonia, KY
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Hot Money Ratio 15.43%
Liquidity Ratio 22.11%
Profitability Fredonia Valley Bank
Fredonia, KY
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5-Year Return on Average Assets 0.92%
Net Income 551.00K
Net Interest Spread 3.76%
Operating Profit to Average Assets 1.16%
Overhead Efficiency Ratio 70.34%
Return on Assets 0.92%
Return on Equity 9.66%