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This institution is no longer active

Operations ceased on July 29, 1994. CRA examination history below reflects the period it was active.

CAPITAL SAVINGS BANK,FSB

TIMONIUM, MD · Supervised by OTS

Est. 1907FDIC #29,931
Needs to Improve Same

Current rating · Exam: October 1993

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Institution Profile

FDIC BankFind

Address

2219 York Road, TIMONIUM, MD

County

Baltimore County

Established

January 1, 1907

Total Assets

$55M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

October 25, 1993

Exam Type

Assessment Factor

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 32 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)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202468079.56%2.94%
202370277.07%1.99%
201951571.46%6.99%
201848874.59%6.15%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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