🏦Bank Scorer

MECHANICS BANK

MANSFIELD, OH · Supervised by FDIC

Est. 1886FDIC #29,011RSSD: FDIC-29011
Part ofMECHANICS FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.64%

Institution Profile

FDIC BankFind

Address

2 S Main St, MANSFIELD, OH

County

Richland County

Established

January 1, 1886

Total Assets

$885M(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

October 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$885M

Total Deposits

$770M

Net Loans

$717M

Net Income

$1M

ROA

0.64%

ROE

8.08%

Risk-Based Capital

16.27%

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 Rate12.32%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

9

Branch Deposits

$752M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,31568.9%12.32%
20231,17473.59%12.44%
20221,85275.65%9.99%
20211,99380.33%7.63%
20201,90081.63%7.68%
20191,90771.58%11.69%
201888784.55%7.10%

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

10 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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