This institution is no longer active

Operations ceased on August 1, 1998. CRA examination history below reflects the period it was active.

CARDINAL STATE BANK

MAINEVILLE, OH · Supervised by FDIC

Est. 1887FDIC #26,272RSSD: FDIC-26272

Satisfactory Same

Current rating · Exam: February 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.57%

Institution Profile

FDIC BankFind

Address

2894 West 22 And Route 3, MAINEVILLE, OH

County

Warren County

Established

January 1, 1887

Total Assets

$24M(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

February 1, 1996

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 Q2 1998Call Report / FDIC

Total Assets

$24M

Total Deposits

$22M

Net Loans

$14M

Net Income

$68K

ROA

0.57%

ROE

5.50%

Risk-Based Capital

18.55%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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