🏦Bank Scorer

ELDERTON STATE BANK

ELDERTON, PA · Supervised by FDIC

Est. 1919FDIC #12,985RSSD: FDIC-12985
Part ofKEYSTRONG FINANCIAL INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.74%

Institution Profile

FDIC BankFind

Address

143 N Main St, ELDERTON, PA

County

Armstrong County

Established

October 1, 1919

Total Assets

$452M(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

December 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$452M

Total Deposits

$357M

Net Loans

$377M

Net Income

$2M

ROA

1.74%

ROE

14.79%

Risk-Based Capital

0.00%

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 Rate7.65%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$334M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417085.29%7.65%
202316574.55%17.58%
202216085%7.50%
202113884.06%13.04%
202013276.52%11.36%
201914471.53%20.83%
201813471.64%18.66%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 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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