This institution is no longer active

Operations ceased on October 1, 2025. CRA examination history below reflects the period it was active.

SUSQUEHANNA COMMUNITY BANK

WEST MILTON, PA · Supervised by FDIC

Est. 1920FDIC #8,421RSSD: FDIC-8421

Part ofSUSQUEHANNA CMTY FINANCIAL INC→ View all charters

Satisfactory Same

Current rating · Exam: June 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.01%

Is this bank safe?

SUSQUEHANNA COMMUNITY BANK holds a Satisfactory CRA rating (2025), meets basic financial requirements (ROA +0.01%).

Institution Profile

FDIC BankFind

Address

940 High St, WEST MILTON, PA

County

Union County

Established

January 1, 1920

Total Assets

$587M(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

June 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q3 2025Call Report / FDIC

Total Assets

$587M

Total Deposits

$501M

Net Loans

$397M

Net Income

$23K

ROA

0.01%

Below avg for Small banks. Peer avg: 0.44%

ROE

0.09%

Risk-Based Capital

10.89%

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).

ROA0.01%Peer avg: 0.44%▼ Below avg

Risk-Based Capital10.89%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate6.09%Peer avg: 6.90%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$510M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	197	85.79%	6.09%
2023	295	85.08%	6.78%
2022	412	86.89%	5.83%
2021	333	86.19%	3.90%
2020	385	84.68%	4.68%

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
Jun 2025	Satisfactory	Intermediate Small Bank
Aug 2022	Satisfactory	Intermediate Small Bank
Dec 2018	Satisfactory	Intermediate Small Bank

8 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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