🏦Bank Scorer

This institution is no longer active

Operations ceased on July 25, 2025. CRA examination history below reflects the period it was active.

THE LUZERNE BANK

LUZERNE, PA · Supervised by FDIC

Est. 1907FDIC #7,586RSSD: FDIC-7586
Part ofPENNS WOODS BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.10%

Institution Profile

FDIC BankFind

Address

118 Main St, LUZERNE, PA

County

Luzerne County

Established

January 1, 1907

Total Assets

$722M(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

June 1, 2022

Exam Type

Intermediate Small Bank

Regulator

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

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$722M

Total Deposits

$582M

Net Loans

$548M

Net Income

$4M

ROA

1.10%

ROE

11.37%

Risk-Based Capital

11.06%

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 Rate11.61%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$582M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202451777.95%11.61%
202361681.66%7.95%
202278883.38%7.61%
202158587.69%3.76%
202052688.21%4.18%
201955280.8%9.06%
201856184.49%6.42%

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

2 previous ratings locked — dating back to 2016

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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