🏦Bank Scorer

FIRST COLUMBIA BANK & TRUST CO.

BLOOMSBURG, PA · Supervised by FDIC

Est. 1926FDIC #686RSSD: FDIC-686
Part ofMUNCY COLUMBIA FINANCIAL CORP→ View all charters
Outstanding Same

Current rating · Exam: April 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.68%

Institution Profile

FDIC BankFind

Address

1199 Lightstreet Rd, BLOOMSBURG, PA

County

Columbia County

Established

February 1, 1926

Total Assets

$1.7B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.7B

Total Deposits

$1.5B

Net Loans

$1.2B

Net Income

$7M

ROA

1.68%

ROE

15.13%

Risk-Based Capital

17.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate4.34%Peer avg: 9.91%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

23

Branch Deposits

$1.4B

1-Year Change

+1

5-year net change: +9 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202348486.57%4.34%
202260786.49%4.94%
202179387.52%6.18%
202084684.75%7.33%
201954785.19%6.03%
201859782.91%6.87%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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