Central Kentucky Federal Savings Bank

Headquarters

340 W Main St
Danville, KY 40422
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Central Kentucky Federal Savings Bank is an FDIC insured institution located in Danville, KY. It was founded in 1886 and has approximately $0.12 billion in assets.

FDIC Insured Yes
FDIC Certificate # 31156
Date Established 1886
Assets $ 120.52 million
Loans $ 95.22 million
Deposits $ 100.42 million
Capital $ 13.07 million
 

For a more detailed analysis of Central Kentucky Federal Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 1, 2020

Your Current Location: Washington, WA 98109

 

Loan Rates - December 1, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Central Kentucky Federal Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Hart West Financial Inc.
NMLS ID: 116830
2.302% 2.250% 0.75 $1,745 $956 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Central Kentucky Federal Savings Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Central Kentucky Federal Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Central Kentucky Federal Savings Bank Locations


Financial Details

Central Kentucky Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Central Kentucky Federal Savings Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Central Kentucky Federal Savings Bank U.S. Bank Average
38.38% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Central Kentucky Federal Savings Bank had $4,067,000 in non-current loans and $1,669,000 in owned real estate. To cover these potential losses it had $13,066,000 in equity and $1,879,000 in loans loss reserves. That gives it a Texas Ratio of 38.38%.

Return on Equity
Central Kentucky Federal Savings Bank U.S. Bank Average
3.01% 7.80%

Central Kentucky Federal Savings Bank has a Return on Equity of 3.01% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Central Kentucky Federal Savings Bank U.S. Bank Average
10.84% 12.68%

Central Kentucky Federal Savings Bank has a Capitalization of 10.84% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Central Kentucky Federal Savings Bank Balance Sheet Analysis

As of December 31, 2012, Central Kentucky Federal Savings Bank had assets of $120,517,000, loans of $95,219,000, and deposits of $100,424,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 95.22 million
Loan loss allowance $ 1.88 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.67 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 100.42 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 120.52 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Central Kentucky Federal Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Kentucky, Central Kentucky Federal Savings Bank has a significantly higher percent of 1-4 Family Residential Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 75.17
Multifamily
Mortgages
2.21
Credit Card Loans 0.00
Consumer Auto Loans 0.10
Small Business Loans 11.05
Construction and Development Loans 2.57
Commercial Real Estate 14.49
Commercial and Industrial Loans 3.59
Farm Loans 0.00

Frequently Asked Questions About Central Kentucky Federal Savings Bank

Branches and Savings

Is Central Kentucky Federal Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #31156.

Why does Central Kentucky Federal Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Central Kentucky Federal Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Central Kentucky Federal Savings Bank a commercial bank?

Yes

Where are Central Kentucky Federal Savings Bank locations?

See branch locations nearby.

Is Central Kentucky Federal Savings Bank open on Saturdays?

Is Central Kentucky Federal Savings Bank open on Sundays?

What time does Central Kentucky Federal Savings Bank open?

What time does Central Kentucky Federal Savings Bank close?

Are Central Kentucky Federal Savings Bank ATMs Open 24/7?

Do Central Kentucky Federal Savings Bank ATMs accept cash deposits?

Can Central Kentucky Federal Savings Bank customers use other ATMs?

Do Central Kentucky Federal Savings Bank branches have notaries?

Will Central Kentucky Federal Savings Bank notarize my document?

What address for Central Kentucky Federal Savings Bank should I put for incoming ACH transfers?

Will the Central Kentucky Federal Savings Bank branch print checks?

Do Central Kentucky Federal Savings Bank checks expire?

Does Central Kentucky Federal Savings Bank require US citizenship to open account?

Can Central Kentucky Federal Savings Bank close my account?

Does Central Kentucky Federal Savings Bank Report to credit bureaus?

Does Central Kentucky Federal Savings Bank Use Equifax?

What is Central Kentucky Federal Savings Bank's ACH Routing Number?

What is Central Kentucky Federal Savings Bank's SWIFT code?

Products

Does Central Kentucky Federal Savings Bank offer mortgages?

Compare mortgage rates here.

Does Central Kentucky Federal Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Central Kentucky Federal Savings Bank offer personal loans?

Compare personal loan rates here.

Does Central Kentucky Federal Savings Bank offer student loans?

Will Central Kentucky Federal Savings Bank cash a check?

Will Central Kentucky Federal Savings Bank redeem a savings bond?

Does Central Kentucky Federal Savings Bank cash savings bonds?

Will Central Kentucky Federal Savings Bank cash money orders?

Can Central Kentucky Federal Savings Bank issue a money order?

Does Central Kentucky Federal Savings Bank do currency exchange?

Background on The Bank

Who owns Central Kentucky Federal Savings Bank?

How long has Central Kentucky Federal Savings Bank been around?

Can Central Kentucky Federal Savings Bank transfer to other banks?

Does Central Kentucky Federal Savings Bank have quick pay?

Does Central Kentucky Federal Savings Bank accept rolled coins?

Will Central Kentucky Federal Savings Bank accept loose change?

Where is Central Kentucky Federal Savings Bank headquarters?

Customer Reviews for Central Kentucky Federal Savings Bank

There are currently no comments for Central Kentucky Federal Savings Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →