🏦Bank Scorer

This institution is no longer active

Operations ceased on April 24, 2020. CRA examination history below reflects the period it was active.

MUTUALBANK

MUNCIE, IN · Supervised by FDIC

Est. 1889FDIC #27,744RSSD: FDIC-27744
Part ofMUTUALFIRST FINANCIAL INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.19%

Institution Profile

FDIC BankFind

Address

110 East Charles St, MUNCIE, IN

County

Delaware County

Established

January 1, 1889

Total Assets

$2.1B(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

May 1, 2020

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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)

Financial Snapshot

As of Q4 2019Call Report / FDIC

Total Assets

$2.1B

Total Deposits

$1.6B

Net Loans

$1.5B

Net Income

$25M

ROA

1.19%

ROE

10.87%

Risk-Based Capital

13.87%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate11.74%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202054577.43%11.74%
20192,62972.99%16.51%
20182,38570.36%18.20%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2014

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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