Fredonia Valley Bank is a bank based in Fredonia, Kentucky, established in 1894, with $120 million in total assets across 2 branches. By Trust Grade it ranks 59th of 120 banks we track in Kentucky. Its capital ratio of 9.5% trails most similarly sized banks (38th percentile), versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 0.87% return on assets. No consumer complaints against Fredonia Valley Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Fredonia Valley Bank compares to Kentucky peers
How we graded Fredonia Valley Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.5% capital ratio)
- Profitable (ROA 0.87%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Fredonia Valley Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 226 Commerce St, Eddyville, KY 42038
- 602 Cassidy Ave, Fredonia, KY 42411
Are deposits at Fredonia Valley Bank insured?
Yes. Fredonia Valley Bank is an FDIC-insured bank (FDIC certificate #9669). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Fredonia Valley Bank: frequently asked questions
Is Fredonia Valley Bank a good bank?
Fredonia Valley Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.5% capital ratio); Profitable (ROA 0.87%).
Is Fredonia Valley Bank FDIC-insured?
Yes. Fredonia Valley Bank is a FDIC-insured bank (FDIC certificate #9669). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Fredonia Valley Bank?
Fredonia Valley Bank holds $120 million in total assets, ranking 59th of 120 banks we track in Kentucky. It operates 2 branches.
Does Fredonia Valley Bank have CFPB complaints?
No CFPB complaints against Fredonia Valley Bank appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
