🏦Bank Scorer

This institution is no longer active

Operations ceased on June 30, 2025. CRA examination history below reflects the period it was active.

CATSKILL HUDSON BANK

MONTICELLO, NY · Supervised by FDIC

Est. 1993FDIC #33,859RSSD: FDIC-33859
Part ofCATSKILL HUDSON BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.41%

Institution Profile

FDIC BankFind

Address

4445 State Route 42, MONTICELLO, NY

County

Sullivan County

Established

December 6, 1993

Total Assets

$526M(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

June 1, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2024Call Report / FDIC

Total Assets

$526M

Total Deposits

$449M

Net Loans

$423M

Net Income

$-2,292K

ROA

-0.41%

ROE

-5.80%

Risk-Based Capital

11.97%

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 Rate5.56%Peer avg: 7.63%▲ Above avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245477.78%5.56%
202313271.21%5.30%
202221284.91%0.94%
20198268.29%7.32%

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 3 exams

8 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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