🏦Bank Scorer

This institution is no longer active

Operations ceased on October 17, 2022. CRA examination history below reflects the period it was active.

MERAMEC VALLEY BANK

VALLEY PARK, MO · Supervised by FDIC

Est. 1918FDIC #19,200RSSD: FDIC-19200
Part ofMONTGOMERY BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.09%

Institution Profile

FDIC BankFind

Address

35 Marshall Rd, VALLEY PARK, MO

County

St. Louis County

Established

January 1, 1918

Total Assets

$168M(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

June 1, 2022

Exam Type

Small Bank

Regulator

FDIC
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Estimated next exam:Jun 2027(based on asset size)

Financial Snapshot

As of Q3 2022Call Report / FDIC

Total Assets

$168M

Total Deposits

$141M

Net Loans

$104M

Net Income

$102K

ROA

0.09%

ROE

0.93%

Risk-Based Capital

9.70%

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 Rate16.67%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20193675%16.67%
20183781.08%5.41%

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 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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