This institution is no longer active

Operations ceased on October 1, 2020. CRA examination history below reflects the period it was active.

CARROLL COMMUNITY BANK

SYKESVILLE, MD · Supervised by FDIC

Est. 1904FDIC #32,393RSSD: FDIC-32393

Part ofCARROLL BCORP INC→ View all charters

Satisfactory

Current rating · Exam: November 2015

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.14%

Institution Profile

FDIC BankFind

Address

1321 Liberty Road, SYKESVILLE, MD

County

Carroll County

Established

April 4, 1904

Total Assets

$176M(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

November 1, 2015

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 10 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 Q3 2020Call Report / FDIC

Total Assets

$176M

Total Deposits

$145M

Net Loans

$147M

Net Income

$-193K

ROA

-0.14%

ROE

-1.44%

Risk-Based Capital

14.18%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.00%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2020	100	81%	9.00%
2019	80	66.25%	11.25%
2018	75	77.33%	10.67%

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

This is the only examination on record for this bank.

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