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This institution is no longer active

Operations ceased on April 1, 2026. CRA examination history below reflects the period it was active.

THE NATIONAL BANK OF COXSACKIE

COXSACKIE, NY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1852FDIC #7,018
Satisfactory Same

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.33%

Institution Profile

FDIC BankFind

Address

3 Reed St, COXSACKIE, NY

County

Greene County

Established

January 1, 1852

Total Assets

$517M(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 3, 2024

Exam Type

Intermediate Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$517M

Total Deposits

$458M

Net Loans

$357M

Net Income

$-427K

ROA

-0.33%

ROE

-3.85%

Risk-Based Capital

18.50%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate45.19%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$448M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413537.78%45.19%
202338743.41%40.05%
202264255.14%21.65%
202158958.74%24.45%
202042963.4%20.28%
201934763.4%18.73%
201826967.66%18.59%

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

7 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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