This institution is no longer active

Operations ceased on September 18, 2021. CRA examination history below reflects the period it was active.

PREMIER BANK, INC.

HUNTINGTON, WV · Supervised by FDIC

Est. 1998FDIC #34,837RSSD: FDIC-34837

Part ofPREMIER FINANCIAL BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: December 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.31%

Is this bank safe?

PREMIER BANK, INC. holds a Satisfactory CRA rating (2020), is financially strong (ROA +1.31%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

2883 Fifth Ave, HUNTINGTON, WV

County

Cabell County

Established

June 27, 1998

Total Assets

$1.4B(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

December 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 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 2021Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.2B

Net Loans

$927M

Net Income

$9M

ROA

1.31%

Above avg for Community banks. Peer avg: 0.90%

ROE

10.18%

Risk-Based Capital

0.00%

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).

ROA1.31%Peer avg: 0.90%▲ Above avg

Risk-Based Capital0.00%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate7.72%Peer avg: 10.20%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2021	285	79.65%	7.72%
2020	470	75.96%	10.21%
2019	414	74.4%	14.49%
2018	440	68.18%	14.32%

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
Dec 2020	Satisfactory	Intermediate Small Bank
Jul 2018	Satisfactory	Intermediate Small Bank
Mar 2016	Satisfactory	Intermediate Small Bank

3 previous ratings locked — back to 2000

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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