This institution is no longer active

Operations ceased on December 22, 1997. CRA examination history below reflects the period it was active.

FIRST STATE BANK & TRUST

RAINELLE, WV · Supervised by FDIC

Est. 1973FDIC #21,172RSSD: FDIC-21172

Part ofCITY HOLDING CO→ View all charters

Outstanding Same

Current rating · Exam: June 1995

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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 1.38%

Institution Profile

FDIC BankFind

Address

1218 Main Street, RAINELLE, WV

County

Greenbrier County

Established

July 26, 1973

Total Assets

$105M(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

June 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 1997Call Report / FDIC

Total Assets

$105M

Total Deposits

$77M

Net Loans

$84M

Net Income

$963K

ROA

1.38%

ROE

17.78%

Risk-Based Capital

11.22%

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 Rate12.77%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	47	51.06%	12.77%
2023	292	76.71%	7.19%
2022	493	79.92%	4.87%
2021	950	79.58%	4.63%
2020	40	47.5%	22.50%
2019	89	47.19%	20.22%
2018	85	36.47%	29.41%

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 2 exams

1 previous rating 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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