Bank of Hindman
Hindman, Kentucky · FDIC Cert #289
Bank of Hindman is an FDIC-insured bank (Certificate #289) with $263M in total assets and $215M in total deposits as of the Q2 2024 Call Report. Headquartered in Hindman, Kentucky, the bank maintains a Tier 1 capital ratio of 15.16% (Well-Capitalized) and a nonperforming loan ratio of 1.66%. BankHealthData assigns a composite Health Grade of A (82/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Hindman (FDIC cert 289) is a community bank — $263M in total assets, $215M in deposits, serving the Hindman, Kentucky area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.16% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.66% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 49.2% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is minimal: ROA of 0.10% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bank of Hindman carries a composite BankHealth grade of A (82/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Hindman
- Total Assets
- $263M
- Total Deposits
- $215M
- Tier 1 Capital Ratio
- 15.16%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.66%
- Liquidity Ratio
- 49.19%
- Return on Assets
- 0.10%
- Headquarters
- Hindman, Kentucky
- FDIC Certificate
- #289
- Health Grade
- A (82/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Hindman holds a Tier 1 capital ratio of 15.16%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Hindman has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Hindman shows strong financial health indicators. With $263M in assets and a Health Score of 82/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Hindman Compares
Bank of Hindman’s Health Score of 82 is 10 points above the Kentucky state average of 72 across 103 FDIC-insured banks. Its 15.16% Tier 1 capital ratio is 1.2 points above the US banking industry average near 14%. The 1.66% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.10% is below the national ROA benchmark of ~1.1%. Among 1582 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Bank of Hindman is 12 points above the portfolio average of 70.
Frequently Asked Questions
Bank of Hindman has a Bank Health Score of A (82/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 15.16%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Hindman's Tier 1 capital ratio of 15.16% and nonperforming loan ratio of 1.66% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Hindman is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #289). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Hindman holds $263M in total assets and $215M in total deposits. It is headquartered in Hindman, Kentucky (FDIC Certificate #289).
Bank of Hindman has a Tier 1 capital ratio of 15.16%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.66%, and the return on assets is 0.10%.
Yes. Bank of Hindman is FDIC-insured (Certificate #289). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Hindman's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.