🏦Bank Scorer

THE FIRST NATIONAL BANK OF MCCONNELSVILLE

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

Est. 1863FDIC #6,637
Satisfactory Same

Current rating · Exam: August 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.11%

Institution Profile

FDIC BankFind

Address

86 N Kennebec Ave, MCCONNELSVILLE, OH

County

Morgan County

Established

July 1, 1863

Total Assets

$203M(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

August 7, 2023

Exam Type

Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$203M

Total Deposits

$180M

Net Loans

$109M

Net Income

$562K

ROA

1.11%

ROE

10.28%

Risk-Based Capital

21.35%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate16.67%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$180M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247272.22%16.67%
202310681.13%5.66%
20229981.82%13.13%
202114685.62%6.16%
202018085.56%8.89%
201911875.42%11.02%
201813079.23%10.77%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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