🏦Bank Scorer

This institution is no longer active

Operations ceased on July 1, 2021. CRA examination history below reflects the period it was active.

THE BANK OF FINCASTLE

FINCASTLE, VA · Supervised by FDIC

Est. 1875FDIC #6,128RSSD: FDIC-6128
Satisfactory Down

Current rating · Exam: April 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.76%

Institution Profile

FDIC BankFind

Address

17 South Roanoke Street, FINCASTLE, VA

County

Botetourt County

Established

September 22, 1875

Total Assets

$267M(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

April 1, 2017

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 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 Q2 2021Call Report / FDIC

Total Assets

$267M

Total Deposits

$236M

Net Loans

$192M

Net Income

$-1,003K

ROA

-0.76%

ROE

-6.70%

Risk-Based Capital

17.95%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate26.03%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20197363.01%26.03%
201810268.63%13.73%

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

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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