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This institution is no longer active

Operations ceased on February 1, 2017. CRA examination history below reflects the period it was active.

BANK OF ST. CROIX, INC.

CHRISTIANSTED, VI · Supervised by FDIC

Est. 1995FDIC #33,990RSSD: FDIC-33990
Satisfactory Same

Current rating · Exam: June 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.64%

Institution Profile

FDIC BankFind

Address

5025 Anchor Way, CHRISTIANSTED, VI

County

Saint Croix County

Established

March 1, 1995

Total Assets

$144M(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

June 1, 2010

Exam Type

Small 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 Q4 2016Call Report / FDIC

Total Assets

$144M

Total Deposits

$130M

Net Loans

$45M

Net Income

$895K

ROA

0.64%

ROE

6.07%

Risk-Based Capital

33.12%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 previous ratings locked — dating back to 1997

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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