This institution is no longer active
Operations ceased on March 2, 2026. CRA examination history below reflects the period it was active.
MIDDLEFIELD, OH · Supervised by FDIC
Contact & Details
FDIC BankFindFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$1.9B
Total Deposits
$1.5B
Net Loans
$1.6B
Net Income
$26M
ROA
1.34%
Above avg for Community banks. Peer avg: 0.90%
ROE
11.53%
Risk-Based Capital
15.03%
Above avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,071 | 66.76% | 20.82% |
| 2023 | 1,010 | 68.02% | 19.50% |
| 2022 | 1,157 | 66.55% | 20.92% |
| 2021 | 1,356 | 66.96% | 18.95% |
| 2020 | 1,383 | 66.45% | 17.14% |
| 2019 | 1,296 | 66.67% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Apr 2023 | Satisfactory | Intermediate Small Bank |
| May 2020 | Satisfactory | Intermediate Small Bank |
| Aug 2017 | Satisfactory | Intermediate Small Bank |
8 previous ratings locked — back to 1992
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Total Branches
21
Branch Deposits
$1.6B
1-Year Change
0
5-year net change: +5 branches
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Address
County
Established
Total Assets
| 21.91% |
| 2018 | 1,449 | 64.53% | 22.29% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red