🏦Bank Scorer

FARMERS AND MECHANICS FEDERAL SAVINGS BANK

BLOOMFIELD, IN · Supervised by FDIC

Est. 1892FDIC #28,478RSSD: FDIC-28478
Satisfactory Up

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.19%

Institution Profile

FDIC BankFind

Address

225 E Main St, BLOOMFIELD, IN

County

Greene County

Established

January 1, 1892

Total Assets

$116M(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, 2024

Exam Type

Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$116M

Total Deposits

$108M

Net Loans

$65M

Net Income

$-55K

ROA

-0.19%

ROE

-4.08%

Risk-Based Capital

11.64%

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 Rate28.92%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

4

Branch Deposits

$106M

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248356.63%28.92%
20236560%15.38%
20228966.29%20.22%
20219475.53%6.38%
202010080%13.00%
20192770.37%0.00%
20182391.3%8.70%

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 2020

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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