UNION SPRINGS, NY · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindAddress
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$281M
Total Deposits
$257M
Net Loans
$173M
Net Income
$364K
ROA
0.51%
Above avg for Small banks. Peer avg: 0.44%
ROE
6.92%
Risk-Based Capital
18.47%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 92 | 94.57% | 2.17% |
| 2023 | 127 | 99.21% | 0.00% |
| 2022 | 179 | 93.3% | 1.12% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 2022 | Satisfactory | Small Bank |
| Jul 2018 | Satisfactory | Small Bank |
| Mar 2011 | Outstanding | Small Bank |
4 previous ratings locked — back to 1993
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Total Branches
3
Branch Deposits
$252M
1-Year Change
0
5-year net change: +1 branches
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