This institution is no longer active

Operations ceased on November 11, 2023. CRA examination history below reflects the period it was active.

THE MUNCY BANK AND TRUST COMPANY

MUNCY, PA · Supervised by FDIC

Est. 1893FDIC #10,678RSSD: FDIC-10678

Part ofMUNCY BANK FINANCIAL INC→ View all charters

Satisfactory Same

Current rating · Exam: March 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.83%

Is this bank safe?

THE MUNCY BANK AND TRUST COMPANY holds a Satisfactory CRA rating (2023), meets basic financial requirements (ROA +0.83%).

Institution Profile

FDIC BankFind

Address

2 N Main St, MUNCY, PA

County

Lycoming County

Established

November 1, 1893

Total Assets

$660M(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

March 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Mar 2027(based on asset size)

Financial Snapshot

As of Q3 2023Call Report / FDIC

Total Assets

$660M

Total Deposits

$522M

Net Loans

$510M

Net Income

$4M

ROA

0.83%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.53%

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).

ROA0.83%Peer avg: 0.44%▲ Above avg

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

Mortgage Denial Rate5.55%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	577	83.71%	5.55%
2022	828	85.51%	5.68%
2021	693	80.38%	6.35%
2020	687	81.66%	5.24%
2019	388	79.12%	6.96%
2018	389	81.23%	6.17%

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
Mar 2023	Satisfactory	Intermediate Small Bank
Jan 2020	Satisfactory	Intermediate Small Bank
Jan 2017	Satisfactory	Intermediate Small Bank

7 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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