B
Fredonia Valley Bank
Rating Date
June 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 6.20
Capitalization Index 10.00
Liquidity Index 2.90
Profitability Index 4.20
Stability Index 5.90
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 5.23%
5-Year Asset Growth 6.07%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.43%
Non-Performing Loans to Capital 7.23%
Non-Performing Loans to Loans 0.65%
Balance Sheet Fredonia Valley Bank
Fredonia, KY
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Total Assets 106.93M
Total Deposits 93.25M
Capital and Reserves Fredonia Valley Bank
Fredonia, KY
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Capital 10.27M
Leverage Ratio 12.46
Loan Loss Reserves to Loans 1.47%
Risk-Based Capital Ratio --
Liquidity Fredonia Valley Bank
Fredonia, KY
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Hot Money Ratio 18.61%
Liquidity Ratio 25.75%
Profitability Fredonia Valley Bank
Fredonia, KY
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5-Year Return on Average Assets 0.96%
Net Income 204.00K
Net Interest Spread 3.53%
Operating Profit to Average Assets 0.88%
Overhead Efficiency Ratio 77.13%
Return on Assets 0.76%
Return on Equity 7.77%