CRA Public File

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.

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Branch & Office Locations

A listing of our current branches, with their street addresses and the geographic census tract areas they serve.

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Branch Openings, Closures, & Moves

A listing of our branches opened and closed during the current calendar year and prior two years.

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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.

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Area Assessment Maps & Income Demographics

Maps of our CRA assessment area showing the boundaries and identifying the various geographic census tracts located within.

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Public Comments

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.

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As of April 1, 2024, First Kentucky Bank has not received any written comments from the public related to its Community Reinvestment Act performance.

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Loan and Deposit Products

A listing of available loan and deposit products and services, and associated fees.

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CRA Performance Evaluation

A copy of the public section of our most recent CRA Performance Evaluation.

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Quarterly Loan-to-Deposit Ratio

Our loan-to-deposit (LTD) ratio for each quarter of the prior three calendar years.

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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:

  • 75.55% as of March 31
  • 73.41% as of June 30
  • 72.43% as of September 30
  •  71.33% as of December 31


During 2022, the quarterly LTD Ratio was:

  • 62.55% as of March 31
  • 62.52% as of June 30
  • 62.94% as of September 30
  • 63.17% as of December 31


During 2023, the quarterly LTD Ratio was:

  • 63.79% as of March 31
  • 64.30% as of June 30
  • 65.00% as of September 30
  • 65.57% as of December 31
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