CRYSTAL VALLEY FINANCIAL CORP is the bank holding company. FIRST STATE BANK OF MIDDLEBURY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

CRYSTAL VALLEY FINANCIAL CORP

Legal name: CRYSTAL VALLEY FINANCIAL CORPORATION

1 active bank · $812M combined assets

RSSD ID: 1210244 (FFIEC NIC)

Combined Assets

$812M

CRA Rating Summary

Satisfactory1charter

Across all 11 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST STATE BANK OF MIDDLEBURYMIDDLEBURY, INSatisfactory$812MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$812M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$651M

Net Income

$3M

ROA (avg)

1.56%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

200

Origination Rate

69.5%

Denial Rate

13%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST STATE BANK OF MIDDLEBURY	MIDDLEBURY, IN	FDIC	$812M	100.0%	Satisfactory	Mar 2024

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