MIDDLE VILLAGE, NY · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$538M
Total Deposits
$459M
Net Loans
$399M
Net Income
$545K
ROA
0.41%
Below avg for Small banks. Peer avg: 0.44%
ROE
3.26%
Risk-Based Capital
21.23%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 25 | 56% | 4.00% |
| 2023 | 31 | 67.74% | 9.68% |
| 2019 | 80 | 60% | 5.00% |
| 2018 | 85 | 67.06% | 14.12% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Aug 2025 | Satisfactory | Intermediate Small Bank |
| May 2023 | Satisfactory | Intermediate Small Bank |
| Feb 2020 | Satisfactory | Intermediate Small Bank |
2 previous ratings locked — back to 2014
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Total Branches
6
Branch Deposits
$456M
1-Year Change
0
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