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This institution is no longer active

Operations ceased on October 1, 2019. CRA examination history below reflects the period it was active.

BANK OF MOUNT HOPE, INC.

MOUNT HOPE, WV · Supervised by FDIC

Est. 1914FDIC #13,017RSSD: FDIC-13017
Part ofMOUNT HOPE BANKSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: March 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.91%

Institution Profile

FDIC BankFind

Address

602 Main Street, MOUNT HOPE, WV

County

Fayette County

Established

August 14, 1914

Total Assets

$125M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2016

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2019Call Report / FDIC

Total Assets

$125M

Total Deposits

$106M

Net Loans

$64M

Net Income

$846K

ROA

0.91%

ROE

6.77%

Risk-Based Capital

31.69%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate32.32%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20189951.52%32.32%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

5 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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