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This institution is no longer active

Operations ceased on April 27, 2012. CRA examination history below reflects the period it was active.

BANK OF THE EASTERN SHORE

CAMBRIDGE, MD · Supervised by FDIC

Est. 1986FDIC #26,759RSSD: FDIC-26759
Satisfactory Up

Current rating · Exam: October 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.29%

Institution Profile

FDIC BankFind

Address

301 Crusader Road, CAMBRIDGE, MD

County

Dorchester County

Established

August 19, 1986

Total Assets

$162M(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

October 1, 1994

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 Q1 2012Call Report / FDIC

Total Assets

$162M

Total Deposits

$151M

Net Loans

$132M

Net Income

$-529K

ROA

-1.29%

ROE

-76.92%

Risk-Based Capital

3.10%

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 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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