This institution is no longer active

Operations ceased on August 1, 1994. CRA examination history below reflects the period it was active.

BAY SAVINGS BANK FSB

NEWPORT NEWS, VA · Supervised by OTS

Est. 1896FDIC #31,258

Satisfactory Up

Current rating · Exam: August 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

2712 Washington Avenue, NEWPORT NEWS, VA

County

Newport News City County

Established

June 6, 1896

Total Assets

$189M(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

August 3, 1992

Exam Type

Assessment Factor

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 33 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)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	723	60.17%	18.40%
2023	750	60.4%	21.47%
2022	1,227	50.53%	29.67%
2021	1,252	57.67%	21.01%
2020	1,445	51%	19.17%
2019	960	50.73%	23.96%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

1 previous rating 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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