🏦Bank Scorer

THE FIRST NATIONAL BANK OF MCCONNELSVILLE

MCCONNELSVILLE, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1863FDIC #6,637
Satisfactory Same

Current rating · Exam: August 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.11%

Is this bank safe?

THE FIRST NATIONAL BANK OF MCCONNELSVILLE holds a Satisfactory CRA rating (2023), is financially strong (ROA +1.11%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

86 N Kennebec Ave, MCCONNELSVILLE, OH

County

Morgan County

Established

July 1, 1863

Total Assets

$203M(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

August 7, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Aug 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$203M

Total Deposits

$180M

Net Loans

$109M

Net Income

$562K

ROA

1.11%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.28%

Risk-Based Capital

21.35%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA1.11%Peer avg: 0.44%▲ Above avg
Risk-Based Capital21.35%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate16.67%Peer avg: 6.90%▲ More than avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$180M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247272.22%16.67%
202310681.13%5.66%
20229981.82%13.13%
202114685.62%6.16%
202018085.56%8.89%
201911875.42%11.02%
201813079.23%10.77%

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 DateRatingExam Type
Aug 2023SatisfactorySmall Bank
Mar 2019SatisfactorySmall Bank
Aug 2013SatisfactorySmall Bank

3 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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