🏦Bank Scorer

This institution is no longer active

Operations ceased on March 20, 2026. CRA examination history below reflects the period it was active.

MINERS & MERCHANTS BANK

THOMAS, WV · Supervised by FDIC

Est. 1902FDIC #13,018RSSD: FDIC-13018
Satisfactory Same

Current rating · Exam: February 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.22%

Institution Profile

FDIC BankFind

Address

16000 Appalachian Highway, THOMAS, WV

County

Tucker County

Established

June 10, 1902

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

February 1, 2025

Exam Type

Small Bank

Regulator

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

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$67M

Total Deposits

$58M

Net Loans

$24M

Net Income

$-146K

ROA

-0.22%

ROE

-1.61%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$59M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings 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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