🏦Bank Scorer

FIRST MUTUAL BANK, FSB

BELPRE, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1906FDIC #29,617
Satisfactory Same

Current rating · Exam: April 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.19%

Is this bank safe?

FIRST MUTUAL BANK, FSB holds a Satisfactory CRA rating (2025), and meets basic financial requirements (ROA +0.19%).

Institution Profile

FDIC BankFind

Address

605 Washington Blvd, BELPRE, OH

County

Washington County

Established

January 1, 1906

Total Assets

$110M(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

April 28, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Apr 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$110M

Total Deposits

$91M

Net Loans

$68M

Net Income

$54K

ROA

0.19%

Below avg for Small banks. Peer avg: 0.44%

ROE

2.02%

Risk-Based Capital

19.47%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA0.19%Peer avg: 0.44%▼ Below avg
Risk-Based Capital19.47%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate21.43%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$88M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20235660.71%21.43%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Apr 2025SatisfactorySmall Bank
Jan 2021SatisfactorySmall Bank
Dec 2015SatisfactorySmall Bank

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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