🏦Bank Scorer

MIFFLINBURG BANK AND TRUST COMPANY

MIFFLINBURG, PA · Supervised by FDIC

Est. 1872FDIC #10,685RSSD: FDIC-10685
Part ofSTEELE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.59%

Institution Profile

FDIC BankFind

Address

250 E Chestnut St, MIFFLINBURG, PA

County

Union County

Established

January 1, 1872

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

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.1B

Net Loans

$908M

Net Income

$5M

ROA

1.59%

ROE

16.63%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate4.37%Peer avg: 9.91%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$515M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202418393.44%4.37%
202320289.11%5.45%
202225289.68%3.17%
202137689.1%3.99%
202035887.43%4.19%
201929394.2%2.39%
201822088.64%6.36%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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