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This institution is no longer active

Operations ceased on December 31, 1998. CRA examination history below reflects the period it was active.

MID-STATE BANK AND TRUST COMPANY

ALTOONA, PA · Supervised by FDIC

Est. 1901FDIC #9,896RSSD: FDIC-9896
Part ofKEYSTONE FINANCIAL INC→ View all charters
Outstanding Same

Current rating · Exam: January 1997

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.56%

Is this bank safe?

MID-STATE BANK AND TRUST COMPANY earned an Outstanding CRA rating (1997), is financially strong (ROA +1.56%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

1130 12th Avenue, ALTOONA, PA

County

Blair County

Established

October 28, 1901

Total Assets

$1.3B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 Q3 1998Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$993M

Net Loans

$862M

Net Income

$15M

ROA

1.56%

Above avg for Community banks. Peer avg: 0.90%

ROE

17.34%

Risk-Based Capital

12.98%

Above 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).

ROA1.56%Peer avg: 0.90%▲ Above avg
Risk-Based Capital12.98%Peer avg: 12.91%▲ Above avg

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

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jan 1997OutstandingSmall Bank
May 1994OutstandingNot Reported
Sep 1992OutstandingNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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