THE NEFFS NATIONAL BANK

NEFFS, PA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1923FDIC #7,646

Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.50%

Institution Profile

FDIC BankFind

Website

www.neffsnatl.com

Address

5629 Route 873, NEFFS, PA

County

Lehigh County

Established

April 3, 1923

Total Assets

$467M(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

July 21, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$467M

Total Deposits

$365M

Net Loans

$252M

Net Income

$585K

ROA

0.50%

Above avg for Small banks. Peer avg: 0.44%

ROE

3.28%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA0.50%Peer avg: 0.44%▲ Above avg

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

Mortgage Denial Rate24.68%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$360M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	77	75.32%	24.68%
2023	91	82.42%	17.58%
2022	130	77.69%	20.00%
2021	181	79.56%	18.23%
2020	223	77.58%	14.35%
2019	112	83.04%	13.39%
2018	106	80.19%	7.55%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 2025	Satisfactory	Intermediate Small Bank
May 2022	Satisfactory	Intermediate Small Bank
Mar 2019	Satisfactory	Intermediate Small Bank

5 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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