B
Fredonia Valley Bank
Rating Date
March 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 5.50
Capitalization Index 10.00
Liquidity Index 2.90
Profitability Index 4.30
Stability Index 6.30
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 5.04%
5-Year Asset Growth 3.85%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 1.04%
Non-Performing Loans to Capital 13.84%
Non-Performing Loans to Loans 1.45%
Balance Sheet Fredonia Valley Bank
Fredonia, KY
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Total Assets 115.67M
Total Deposits 101.12M
Capital and Reserves Fredonia Valley Bank
Fredonia, KY
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Capital 11.51M
Leverage Ratio 11.92
Loan Loss Reserves to Loans 1.55%
Risk-Based Capital Ratio --
Liquidity Fredonia Valley Bank
Fredonia, KY
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Hot Money Ratio 17.62%
Liquidity Ratio 19.35%
Profitability Fredonia Valley Bank
Fredonia, KY
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5-Year Return on Average Assets 0.96%
Net Income 937.00K
Net Interest Spread 3.72%
Operating Profit to Average Assets 1.08%
Overhead Efficiency Ratio 70.32%
Return on Assets 0.85%
Return on Equity 8.65%