VIRGINIA HEARTLAND BK

FREDERICKSBURG, VA · Supervised by Federal Reserve (FRB)

RSSD: FRB-1193543

Satisfactory Down

Current rating · Exam: March 2003

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 31, 2003

Exam Type

Small Bank

Regulator

Federal Reserve (FRB)

What is a CRA rating? →

⚠️This exam is 23 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)

Download Evaluation Report (PDF)

Financial, branch, mortgage lending, and complaint data not available

This institution does not have a matched FDIC certificate in our database. Call Report financials, branch footprint, HMDA lending data, and CFPB complaints are sourced via FDIC cert and cannot be displayed without it.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 2003	Satisfactory	Small Bank
Mar 1998	Outstanding	Small Bank
Aug 1996	Outstanding	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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