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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Fredonia, KY · FDIC certificate #9669
FREDONIA VALLEY BANK is an FDIC-insured institution based in Fredonia, KY (FDIC certificate #9669). In its Q3 2026 Call Report it reported total assets of $116M, total deposits of $103M and net loans of $73M. Its primary federal regulator is FDIC.
Plain-language readout
FREDONIA VALLEY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $120M in Q1 2026 and were lowest at $116M in Q3 2026.
Total deposits were highest at $106M in Q1 2026 and lowest at $103M in Q3 2026.
Over the whole period total assets fell 3.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $116M | $103M | $73M | 0.93% | 9.77% | 3.97% |
| Q2 2026 | $120M | $105M | $72M | 0.93% | 9.66% | 3.92% |
| Q1 2026 | $120M | $106M | $72M | 0.87% | 8.94% | 3.82% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.6M | $16.9M | -$2.3M | -13.6% |
| Federal funds sold | $2.1M | $1.6M | +$573K | +36.9% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $22.6M | $22.6M | -$14K | -0.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $72.1M | $71.7M | +$384K | +0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.0M | $2.0M | +$12K | +0.6% |
| Other real estate owned | $0K | $53K | -$53K | -100.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.4M | $5.6M | +$812K | +14.5% |
| Total assets | $119.8M | $120.4M | -$588K | -0.5% |
| Liabilities | ||||
| Total deposits | $105.5M | $106.1M | -$604K | -0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.3M | $2.4M | -$123K | -5.1% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $738K | $490K | +$248K | +50.6% |
| Total liabilities | $108.5M | $108.9M | -$479K | -0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $1.0M | $1.0M | $0K | 0.0% |
| Retained earnings | $12.5M | $12.6M | -$155K | -1.2% |
| Accumulated other comprehensive income | -$2.5M | -$2.5M | +$46K | +1.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $11.3M | $11.4M | -$109K | -1.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $869K | $947K | -$78K | -8.2% |
| Adjusted nonperforming assets | $869K | $947K | -$78K | -8.2% |
| Tangible equity plus allowance | $12.4M | $12.5M | -$102K | -0.8% |
| Texas ratio (gross) | 7.00% | 7.56% | -0.57 pts | See points |
| Texas ratio (adjusted) | 7.00% | 7.56% | -0.57 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 7.00% | 7.56% | -0.57 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.49% | 11.76% | -0.27 pts | See points |
| Construction and land loans to total capital | 8.36% | 8.30% | +0.06 pts | See points |
| Commercial real estate to total capital | 60.30% | 61.00% | -0.70 pts | See points |
| Dividend payout, year to date | 116.88% | 76.17% | +40.71 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -24.03% | -24.20% | +0.17 pts | See points |
| Liquidity | ||||
| Core deposits | $102.9M | $103.4M | -$554K | -0.5% |
| Non-core funding | $4.9M | $5.1M | -$173K | -3.4% |
| Loans to core deposits | 71.15% | 70.39% | +0.76 pts | See points |
| Loans to deposits | 69.40% | 68.63% | +0.76 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 67.90% | 67.97% | -0.07 pts | See points |
| Loans pledged, share of loans | 60.37% | 60.47% | -0.09 pts | See points |
| Volatile liabilities | $4.9M | $5.1M | -$173K | -3.4% |
| Earnings | ||||
| Earnings before provision, year to date | $690K | $287K | +$403K | +140.4% |
| Earnings before provision, single quarter | $403K | $287K | +$116K | +40.4% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.98% | 6.83% | +0.15 pts | See points |
| Yield on interest-bearing balances due from banks | 3.98% | 3.36% | +0.62 pts | See points |
| Total interest income to average assets | 5.31% | 5.14% | +0.17 pts | See points |
| Cost of interest-bearing transaction accounts | 0.51% | 0.46% | +0.05 pts | See points |
| Cost of savings and money market deposits | 1.82% | 1.61% | +0.21 pts | See points |
| Cost of time deposits | 3.76% | 3.95% | -0.19 pts | See points |
| Total interest expense to average assets | 1.66% | 1.65% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $116M | $103M | $73M | 0.93% | 9.77% | 3.97% |
| 2026-06-30 | $120M | $105M | $72M | 0.93% | 9.66% | 3.92% |
| 2026-03-31 | $120M | $106M | $72M | 0.87% | 8.94% | 3.82% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $92.6M | 0.08% | 126 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.