Fredonia Valley Bank
Fredonia, KY
IDRSSD: 502447
Total Assets
$115.92M
Latest filing
Total Deposits
$101.12M
Latest filing
Net Interest Margin
4.00%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Fredonia Valley Bank
602 Cassidy Ave
Fredonia, KY 42411
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1894FDIC Certificate 6187
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Fredonia Valley Bank (Main) | 602 Cassidy Ave | Fredonia, KY |
| LYON COUNTY BRANCH | 226 Commerce St | Eddyville, KY |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1894 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42411 |
| State and County Number | 21033 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 25 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fredoniavalleybank.com |
| Data Updated | 01/30/2026 |
| CERT | 9669 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $115.92M |
| Total Deposits | $101.12M |
| Total Liabilities | $104.47M |
| Total Equity Capital | $11.45M |
| Net Income | $166.00k |
| Net Loans and Leases | $71.75M |
| Assets Per Employee ($Millions) | $5.04M |
| Bank Premises and Fixed Assets | $1.97M |
| Cash and Balances due from Depository Institutions | $11.06M |
| Deposits Held in Domestic Offices | $101.12M |
Key Performance Ratios
| Return on Assets (ROA) | 0.58% |
| Return on Equity (ROE) | 5.83% |
| Net Interest Margin | 4% |
| Efficiency Ratio | 66.93% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.35% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.879% |
| Earning Assets to total Assets | 91.21% |
Income and Expense
| Total Interest Income | $1.55M |
| Total Noninterest Income | $112.00k |
| Total Interest Expense | $506.00k |
| Total Noninterest Expense | $777.00k |
| Net Interest Income | $1.05M |
| Pre-tax Net Operating Income | $284.00k |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $142.00k |
| Other borrowed funds | $2.53M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.63M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $820.00k |
| Total Liabilities and Capital | $115.92M |
Securities
| Securities | $23.41M |
| Available-for-sale debt securities | $23.41M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Fredonia Valley Bank?
$115.92M as of the latest filing.
How much are Fredonia Valley Bank's total deposits?
$101.12M in total deposits.
Where is Fredonia Valley Bank located?
Fredonia, KY.
What is the Net Interest Margin?
4.00%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1894.
What is the Return on Assets (ROA)?
0.58%.
How much are total loans and leases?
$71.75M (latest filing).
What is the total interest income (latest filing)?
$1.55M.