This institution is no longer active

Operations ceased on June 14, 1996. CRA examination history below reflects the period it was active.

THE ARMSTRONG COUNTY TRUST COMPANY

KITTANNING, PA · Supervised by FDIC

Est. 1902FDIC #12,988RSSD: FDIC-12988

Satisfactory Same

Current rating · Exam: July 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.21%

Institution Profile

FDIC BankFind

Address

227 Market Street, KITTANNING, PA

County

Armstrong County

Established

February 2, 1902

Total Assets

$48M(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 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q1 1996Call Report / FDIC

Total Assets

$48M

Total Deposits

$40M

Net Loans

$11M

Net Income

$151K

ROA

1.21%

ROE

7.49%

Risk-Based Capital

46.91%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating 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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