🏦Bank Scorer

MCNB BANK AND TRUST CO.

WELCH, WV · Supervised by FDIC

Est. 1900FDIC #6,803RSSD: FDIC-6803
Part ofMCNB BANKS INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.74%

Institution Profile

FDIC BankFind

Address

75 Wyoming St, WELCH, WV

County

Mcdowell County

Established

July 1, 1900

Total Assets

$366M(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

March 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$366M

Total Deposits

$301M

Net Loans

$255M

Net Income

$670K

ROA

0.74%

ROE

6.54%

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 Rate9.09%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$304M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244481.82%9.09%
20236870.59%16.18%
202212665.08%19.05%
202116452.44%20.73%
202023056.09%16.52%
201916358.28%25.77%
201816266.67%14.20%

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

6 previous ratings locked — dating back to 2004

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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