🏦Bank Scorer

This institution is no longer active

Operations ceased on September 30, 1997. CRA examination history below reflects the period it was active.

ARCADIA BANK & TRUST COMPANY

KALAMAZOO, MI · Supervised by FDIC

Est. 1987FDIC #26,987RSSD: FDIC-26987
Part ofFIRST MICHIGAN BANK CORP→ View all charters
Outstanding Same

Current rating · Exam: September 1995

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 1.55%

Institution Profile

FDIC BankFind

Address

251 East Michigan Avenue, KALAMAZOO, MI

County

Kalamazoo County

Established

June 22, 1987

Total Assets

$128M(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

September 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 Q2 1997Call Report / FDIC

Total Assets

$128M

Total Deposits

$106M

Net Loans

$109M

Net Income

$979K

ROA

1.55%

ROE

20.33%

Risk-Based Capital

10.51%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating 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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