🏦Bank Scorer

COMMERCIAL TRUST COMPANY OF FAYETTE

FAYETTE, MO · Supervised by FDIC

Est. 1903FDIC #9,791RSSD: FDIC-9791
Part ofHARRIS TAUBMAN FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.68%

Institution Profile

FDIC BankFind

Address

119 N Main St, FAYETTE, MO

County

Howard County

Established

January 1, 1903

Total Assets

$162M(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

November 1, 2025

Exam Type

Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$162M

Total Deposits

$144M

Net Loans

$107M

Net Income

$656K

ROA

1.68%

ROE

16.33%

Risk-Based Capital

0.00%

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 Rate5.88%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$137M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248594.12%5.88%
202310189.11%7.92%
202220988.52%3.35%
202126794.01%2.62%
202033590.15%6.57%
201916595.76%2.42%
201816187.58%11.18%

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

9 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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