🏦Bank Scorer

THE CITIZENS NATIONAL BANK OF MCCONNELSVILLE

MCCONNELSVILLE, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1900FDIC #6,638
Outstanding Up

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.82%

Institution Profile

FDIC BankFind

Address

100 E Main St, MCCONNELSVILLE, OH

County

Morgan County

Established

February 1, 1900

Total Assets

$106M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 17, 2023

Exam Type

Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$106M

Total Deposits

$87M

Net Loans

$74M

Net Income

$221K

ROA

0.82%

ROE

7.79%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$93M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1999

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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