BIG COAL RIVER BCORP INC is the bank holding company. WHITESVILLE STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

BIG COAL RIVER BCORP INC

Legal name: BIG COAL RIVER BANCORP, INC.

1 active bank · $136M combined assets

RSSD ID: 1135842 (FFIEC NIC)

Combined Assets

$136M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankWHITESVILLE STATE BANKWHITESVILLE, WVSatisfactory$136MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$136M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$125M

Net Income

$174K

ROA (avg)

0.51%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

103

Origination Rate

54.37%

Denial Rate

26.21%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
WHITESVILLE STATE BANK	WHITESVILLE, WV	FDIC	$136M	100.0%	Satisfactory	Jun 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.