🏦Bank Scorer

THE NEFFS NATIONAL BANK

NEFFS, PA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1923FDIC #7,646
Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.50%

Institution Profile

FDIC BankFind

Address

5629 Route 873, NEFFS, PA

County

Lehigh County

Established

April 3, 1923

Total Assets

$467M(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

July 21, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$467M

Total Deposits

$365M

Net Loans

$252M

Net Income

$585K

ROA

0.50%

ROE

3.28%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate24.68%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

2

Branch Deposits

$360M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247775.32%24.68%
20239182.42%17.58%
202213077.69%20.00%
202118179.56%18.23%
202022377.58%14.35%
201911283.04%13.39%
201810680.19%7.55%

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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