In accordance with the Community Reinvestment Act (CRA) Regulation (Regulation BB, 12 CFR 25), First Kentucky Bank is required to maintain and, upon request, make available for public inspection a complete Community Reinvestment Act Public File. By providing the CRA Public File online, First Kentucky is better able to keep this data up to date. The information provided is current as of April 1 of each year.
If you’re interested in viewing our CRA Public File, please click on the documents listed below.
cra binder
A listing of our current branches, with their street addresses and the geographic census tract areas they serve.
A listing of our branches opened and closed during the current calendar year and prior two years.
As of April 1, 2024, First Kentucky Bank has not opened or closed any branches during the current calendar year or during each of the prior two calendar years.
Maps of our CRA assessment area showing the boundaries and identifying the various geographic census tracts located within.
Written comments we have received from the public regarding our performance in helping to meet the credit needs of our community, for the current calendar year and prior two years.
As of April 1, 2024, First Kentucky Bank has not received any written comments from the public related to its Community Reinvestment Act performance.
A listing of available loan and deposit products and services, and associated fees.
A copy of the public section of our most recent CRA Performance Evaluation.
Our loan-to-deposit (LTD) ratio for each quarter of the prior three calendar years.
First Kentucky Bank’s quarterly Loan-to-Deposit (LTD) Ratios for the prior three calendar years are as follows:
During 2021, the quarterly LTD Ratio was:
During 2022, the quarterly LTD Ratio was:
During 2023, the quarterly LTD Ratio was:
