MIDDLEBURY, IN · 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
$812M
Total Deposits
$651M
Net Loans
$631M
Net Income
$3M
ROA
1.56%
Above avg for Small banks. Peer avg: 0.44%
ROE
13.56%
Risk-Based Capital
17.79%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 200 | 69.5% | 13.00% |
| 2023 | 191 | 79.58% | 6.81% |
| 2022 | 373 | 87.4% | 5.63% |
| 2021 | 647 | 84.39% | 6.34% |
| 2020 | 747 | 85.27% | 6.16% |
| 2019 | 473 | 82.66% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Mar 2024 | Satisfactory | Intermediate Small Bank |
| Mar 2021 | Satisfactory | Intermediate Small Bank |
| Jan 2018 | Satisfactory | Intermediate Small Bank |
8 previous ratings locked — back to 1993
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Total Branches
6
Branch Deposits
$672M
1-Year Change
0
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Preview:
| 2018 | 462 | 85.93% | 6.06% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red