Fredonia Valley Bank: how it compares with its peers
Against 38 KY banks with half to twice its assets, Fredonia Valley Bank's strongest measure in Q2 2026 is assets per employee ($5.4M vs. a $5.1M peer median). Its weakest relative measure is return on assets (0.93% vs. 1.21%).
| Measure | Fredonia Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 1.21% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 4.17% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.34% | 64.11% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $5.1M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.34% | 79.08% | Context |
What it means for lending operations
Its efficiency ratio of 70.34% is above the 64.11% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Peoples Bank, Mt. Washington Mount Washington, KY · $120M
- Bedford Loan & Deposit Bank Bedford, KY · $122M
- The Peoples Bank Marion, KY · $135M
- Owingsville Banking Company Owingsville, KY · $104M
- Bank of the Mountains, Inc. West Liberty, KY · $100M
- Bank of Buffalo Buffalo, KY · $141M
Questions about Fredonia Valley Bank
How big is Fredonia Valley Bank?
Fredonia Valley Bank, established in 1894, is headquartered in Fredonia, KY. It reported $120M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Fredonia Valley Bank's return on assets?
0.93% annualized in Q2 2026, against a 1.21% median for 38 KY banks with half to twice its assets, ahead of 24% of them.
What is Fredonia Valley Bank's efficiency ratio?
70.34% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 64.11%, and lower is better.
Is Fredonia Valley Bank growing its loans?
Net loans grew 1.1% over the year to Q2 2026, while deposits grew 13.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.