This institution is no longer active

Operations ceased on February 1, 1996. CRA examination history below reflects the period it was active.

AMERICAN TRUST BANK

CUMBERLAND, MD · Supervised by FDIC

Est. 1933FDIC #4,858RSSD: FDIC-4858

Part ofKEYSTONE FINANCIAL INC→ View all charters

Outstanding

Current rating · Exam: November 1993

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.43%

Institution Profile

FDIC BankFind

Address

81 Baltimore Street, CUMBERLAND, MD

County

Allegany County

Established

January 1, 1933

Total Assets

$328M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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)

Financial Snapshot

As of Q4 1995Call Report / FDIC

Total Assets

$328M

Total Deposits

$262M

Net Loans

$228M

Net Income

$5M

ROA

1.43%

ROE

17.15%

Risk-Based Capital

14.39%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/0b5c8d22-8405-47bc-a898-3f473eaf3c2a"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: