This institution is no longer active

Operations ceased on January 1, 2022. CRA examination history below reflects the period it was active.

MAHOPAC BANK

MAHOPAC, NY · Supervised by FDIC

Est. 1927FDIC #7,153RSSD: FDIC-7153

Part ofTOMPKINS FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: May 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.12%

Is this bank safe?

MAHOPAC BANK holds a Satisfactory CRA rating (2019), is financially strong (ROA +1.12%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

630 Route 6, MAHOPAC, NY

County

Putnam County

Established

January 1, 1927

Total Assets

$1.6B(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

May 1, 2019

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 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)

Financial Snapshot

As of Q4 2021Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.3B

Net Loans

$1.1B

Net Income

$18M

ROA

1.12%

Above avg for Community banks. Peer avg: 0.90%

ROE

11.99%

Risk-Based Capital

12.70%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.12%Peer avg: 0.90%▲ Above avg

Risk-Based Capital12.70%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate3.83%Peer avg: 10.20%▼ Fewer than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2021	235	91.91%	3.83%
2020	251	86.45%	7.97%
2019	158	86.08%	9.49%
2018	148	88.51%	6.08%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2019	Satisfactory	Large Bank
May 2016	Satisfactory	Large Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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