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This institution is no longer active

Operations ceased on October 11, 2005. CRA examination history below reflects the period it was active.

THE TERRA ALTA BANK

TERRA ALTA, WV · Supervised by FDIC

Est. 1891FDIC #15,339RSSD: FDIC-15339
Part ofSTATE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.14%

Institution Profile

FDIC BankFind

Address

1101 East State Street, TERRA ALTA, WV

County

Preston County

Established

October 21, 1891

Total Assets

$75M(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

December 1, 2003

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2005Call Report / FDIC

Total Assets

$75M

Total Deposits

$63M

Net Loans

$54M

Net Income

$632K

ROA

1.14%

ROE

11.33%

Risk-Based Capital

17.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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