This institution is no longer active

Operations ceased on June 12, 2020. CRA examination history below reflects the period it was active.

STEUBEN TRUST COMPANY

HORNELL, NY · Supervised by FDIC

Est. 1902FDIC #12,936RSSD: FDIC-12936

Part ofSTEUBEN TRUST CORP→ View all charters

Satisfactory Same

Current rating · Exam: April 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.16%

Is this bank safe?

STEUBEN TRUST COMPANY holds a Satisfactory CRA rating (2020), is financially strong (ROA +1.16%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

One Steuben Square, HORNELL, NY

County

Steuben County

Established

August 30, 1902

Total Assets

$571M(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

April 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 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 Q1 2020Call Report / FDIC

Total Assets

$571M

Total Deposits

$485M

Net Loans

$320M

Net Income

$2M

ROA

1.16%

Above avg for Small banks. Peer avg: 0.44%

ROE

9.41%

Risk-Based Capital

0.00%

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).

ROA1.16%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate8.52%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	223	82.51%	8.52%
2018	244	79.51%	9.84%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Apr 2020	Satisfactory	Intermediate Small Bank
Jun 2017	Satisfactory	Intermediate Small Bank
May 2014	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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