This institution is no longer active

Operations ceased on November 30, 2010. CRA examination history below reflects the period it was active.

BANK OF SMITHTOWN

SMITHTOWN, NY · Supervised by FDIC

Est. 1910FDIC #664RSSD: FDIC-664

Part ofSMITHTOWN BCORP INC→ View all charters

Satisfactory

Current rating · Exam: July 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.36%

Institution Profile

FDIC BankFind

Address

1 East Main Street, SMITHTOWN, NY

County

Suffolk County

Established

January 1, 1910

Total Assets

$2.3B(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 1, 2009

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 16 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 Q3 2010Call Report / FDIC

Total Assets

$2.3B

Total Deposits

$1.8B

Net Loans

$1.8B

Net Income

$-60,816K

ROA

-3.36%

ROE

-56.31%

Risk-Based Capital

8.59%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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