🏦Bank Scorer

BANK OF ENGLAND

ENGLAND, AR · Supervised by FDIC

Est. 1898FDIC #13,303RSSD: FDIC-13303
Part ofMHBC INVESTMENTS PARTNERSHIP I LLLP→ View all charters
Satisfactory Up

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.41%

Institution Profile

FDIC BankFind

Address

123 S Main St, ENGLAND, AR

County

Lonoke County

Established

August 8, 1898

Total Assets

$329M(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 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$329M

Total Deposits

$251M

Net Loans

$90M

Net Income

$339K

ROA

0.41%

ROE

2.08%

Risk-Based Capital

25.70%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate5.41%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$255M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245,62165.33%5.41%
20239,74869.06%8.36%
202215,47867.57%9.55%
202127,44172.12%6.36%
202032,72072.16%1.81%
201922,11970.69%3.24%
201815,80368.16%4.92%

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

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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