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This institution is no longer active

Operations ceased on November 11, 2023. CRA examination history below reflects the period it was active.

THE MUNCY BANK AND TRUST COMPANY

MUNCY, PA · Supervised by FDIC

Est. 1893FDIC #10,678RSSD: FDIC-10678
Part ofMUNCY BANK FINANCIAL INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.83%

Institution Profile

FDIC BankFind

Address

2 N Main St, MUNCY, PA

County

Lycoming County

Established

November 1, 1893

Total Assets

$660M(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

March 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2027(based on asset size)

Financial Snapshot

As of Q3 2023Call Report / FDIC

Total Assets

$660M

Total Deposits

$522M

Net Loans

$510M

Net Income

$4M

ROA

0.83%

ROE

11.53%

Risk-Based Capital

0.00%

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 Rate5.55%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202357783.71%5.55%
202282885.51%5.68%
202169380.38%6.35%
202068781.66%5.24%
201938879.12%6.96%
201838981.23%6.17%

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

9 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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