HUNTINGTON FEDERAL SAVINGS BANK

HUNTINGTON, WV · Supervised by OTS

Est. 1929FDIC #27,884

Satisfactory Same

Current rating · Exam: November 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.46%

Institution Profile

FDIC BankFind

Website

www.huntingtonfederal.com

Address

1049 5th Ave, HUNTINGTON, WV

County

Cabell County

Established

January 1, 1929

Total Assets

$539M(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 23, 2009

Exam Type

Intermediate Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 16 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)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$539M

Total Deposits

$424M

Net Loans

$291M

Net Income

$-621K

ROA

-0.46%

Below avg for Small banks. Peer avg: 0.44%

ROE

-2.96%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA-0.46%Peer avg: 0.44%▼ Below avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate9.52%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$431M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	273	70.7%	9.52%
2022	391	73.66%	5.37%
2021	499	77.76%	6.01%

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

Exam Date	Rating	Exam Type
Nov 2009	Satisfactory	Intermediate Small Bank
Sep 2007	Satisfactory	Intermediate Small Bank
Nov 2004	Satisfactory	Small Bank

6 previous ratings locked — 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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