🏦Bank Scorer

NEW HORIZON BANK, NATIONAL ASSOCIATION

POWHATAN, VA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2009FDIC #58,857
Satisfactory Same

Current rating · Exam: March 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.48%

Institution Profile

FDIC BankFind

Address

1870 Stoneridge Commerce Dr, POWHATAN, VA

County

Powhatan County

Established

October 7, 2009

Total Assets

$279M(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 6, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Mar 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$279M

Total Deposits

$206M

Net Loans

$168M

Net Income

$-318K

ROA

-0.48%

ROE

-3.77%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$189M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20181080%0.00%

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 previous ratings locked — dating back to 2012

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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