This institution is no longer active

Operations ceased on January 31, 1992. CRA examination history below reflects the period it was active.

MERCHANTS NATIONAL BANK

DOVER, NH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1900FDIC #6,217

Satisfactory

Current rating · Exam: July 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

488 Central Avenue, DOVER, NH

County

Strafford County

Established

April 1, 1900

Total Assets

$67M(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

July 31, 1991

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 34 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)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	325	75.38%	8.31%
2023	321	67.29%	13.08%
2022	522	70.31%	12.07%
2021	921	77.31%	9.77%
2020	1,033	77.35%	8.42%
2019	542	73.62%	11.44%
2018	443	68.85%	12.42%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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