🏦Bank Scorer

This institution is no longer active

Operations ceased on September 30, 2017. CRA examination history below reflects the period it was active.

NORTHERN HANCOCK BANK & TRUST CO.

NEWELL, WV · Supervised by FDIC

Est. 1978FDIC #22,647RSSD: FDIC-22647
Outstanding Same

Current rating · Exam: October 2017

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -1.07%

Is this bank safe?

NORTHERN HANCOCK BANK & TRUST CO. earned an Outstanding CRA rating (2017), shows financial metrics that merit closer review (ROA -1.07%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

226 Washington Street, NEWELL, WV

County

Hancock County

Established

May 1, 1978

Total Assets

$26M(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

October 1, 2017

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 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 Q2 2017Call Report / FDIC

Total Assets

$26M

Total Deposits

$22M

Net Loans

$19M

Net Income

$-142K

ROA

-1.07%

Below avg for Small banks. Peer avg: 0.44%

ROE

-8.69%

Risk-Based Capital

20.49%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA-1.07%Peer avg: 0.44%▼ Below avg
Risk-Based Capital20.49%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Oct 2017OutstandingSmall Bank
May 2012OutstandingSmall Bank
Jan 2006OutstandingSmall Bank

4 previous ratings locked — 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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