Family Bank FSB


232 Main Street
Paintsville, KY 41240
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Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Family Bank FSB is an FDIC insured institution located in Paintsville, KY. It was founded in 1936 and has approximately $0.11 billion in assets.

FDIC Insured Yes
FDIC Certificate # 29721
Date Established 1936
Assets $ 110.17 million
Loans $ 70.65 million
Deposits $ 90.89 million
Capital $ 10.51 million

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

Deposit Rates - April 15, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - April 15, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Family Bank FSB

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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2.422% 2.375% 0.63 $1,562 $972 Learn More
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2.685% 2.625% 0.75 $1,975 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
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0.000 %
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Bethpage Federal Credit Union
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2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
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2.240 %
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Note to Family Bank FSB
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Financial Details

Family Bank FSB Ratio Analysis

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

Texas Ratio
Family Bank FSB U.S. Bank Average
5.71% 5.49%

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 December 31, 2020, Family Bank FSB had $248,000 in non-current loans and $406,000 in owned real estate. To cover these potential losses it had $10,513,000 in equity and $946,000 in loans loss reserves. That gives it a Texas Ratio of 5.71%.

Return on Equity
Family Bank FSB U.S. Bank Average
9.18% 9.24%

Family Bank FSB has a Return on Equity of 9.18% versus the BestCashCow average of 9.24%. 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.

Family Bank FSB U.S. Bank Average
9.54% 11.96%

Family Bank FSB has a Capitalization of 9.54% versus the BestCashCow average of 11.96. 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.

Family Bank FSB Balance Sheet Analysis

As of March 31, 2011, Family Bank FSB had assets of $110,172,000, loans of $70,646,000, and deposits of $90,885,000. 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

December 31, 2020
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 $ 70.65 million
Loan loss allowance $ 0.95 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.41 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 90.89 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 $ 110.17 million

Summary Income Statement

December 31, 2020
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 Family Bank FSB’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Family Bank FSB’s loan portfolio does not show any specific loan specialty.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Family Bank Fsb

Branches and Savings

Is Family Bank Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #29721.

Why does Family Bank Fsb pay such low interest on savings accounts?

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

Why are Family Bank Fsb CD rates not competitive?

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

Is Family Bank Fsb a commercial bank?


Where are Family Bank Fsb locations?

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Is Family Bank Fsb open on Saturdays?

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Are Family Bank Fsb ATMs Open 24/7?

Do Family Bank Fsb ATMs accept cash deposits?

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What address for Family Bank Fsb should I put for incoming ACH transfers?

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Do Family Bank Fsb checks expire?

Does Family Bank Fsb require US citizenship to open account?

Can Family Bank Fsb close my account?

Does Family Bank Fsb Report to credit bureaus?

Does Family Bank Fsb Use Equifax?

What is Family Bank Fsb's ACH Routing Number?

What is Family Bank Fsb's SWIFT code?


Does Family Bank Fsb offer mortgages?

Compare mortgage rates here.

Does Family Bank Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Family Bank Fsb offer personal loans?

Compare personal loan rates here.

Does Family Bank Fsb offer student loans?

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Does Family Bank Fsb do currency exchange?

Background on The Bank

Who owns Family Bank Fsb?

How long has Family Bank Fsb been around?

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Will Family Bank Fsb accept loose change?

Where is Family Bank Fsb headquarters?

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