This institution is no longer active

Operations ceased on November 30, 2021. CRA examination history below reflects the period it was active.

FIRST NATIONAL BANK IN HOWELL

HOWELL, MI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1934FDIC #14,370

Satisfactory Same

Current rating · Exam: January 2021

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

FIRST NATIONAL BANK IN HOWELL holds a Satisfactory CRA rating (2021).

Institution Profile

FDIC BankFind

Address

101 East Grand River Avenue, HOWELL, MI

County

Livingston County

Established

May 12, 1934

Total Assets

$664M(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

January 4, 2021

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2020	547	93.97%	1.83%
2019	343	89.8%	2.62%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jan 2021	Satisfactory	Intermediate Small Bank
Jan 2017	Satisfactory	Intermediate Small Bank
Nov 2012	Satisfactory	Intermediate Small Bank

3 previous ratings locked — back to 1996

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/first-national-bank-in-howell"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: