🏦Bank Scorer

This institution is no longer active

Operations ceased on May 3, 2024. CRA examination history below reflects the period it was active.

SUMMIT COMMUNITY BANK, INC

MOOREFIELD, WV · Supervised by FDIC

Est. 1995FDIC #34,102RSSD: FDIC-34102
Part ofSUMMIT FINANCIAL GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2022

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.58%

Institution Profile

FDIC BankFind

Address

310 N Main St, MOOREFIELD, WV

County

Hardy County

Established

December 11, 1995

Total Assets

$4.6B(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

September 1, 2022

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2026(based on asset size)

Financial Snapshot

As of Q1 2024Call Report / FDIC

Total Assets

$4.6B

Total Deposits

$3.8B

Net Loans

$3.6B

Net Income

$18M

ROA

1.58%

ROE

13.61%

Risk-Based Capital

13.27%

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 Rate11.60%Peer avg: 9.91%▼ Below avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202429373.04%11.60%
202389269.73%12.56%
20221,19973.56%11.51%
20211,68677.7%7.89%
20201,50372.39%9.71%
20191,10366.64%13.69%
20181,03568.31%12.85%

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

7 previous ratings locked — dating back to 1997

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/0ba04d19-bf22-4fa9-91ca-e02249f33213"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: