🏦Bank Scorer

This institution is no longer active

Operations ceased on February 1, 2023. CRA examination history below reflects the period it was active.

CENTRIC BANK

HARRISBURG, PA · Supervised by FDIC

Est. 1919FDIC #7,461RSSD: FDIC-7461
Part ofCENTRIC FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.14%

Institution Profile

FDIC BankFind

Address

4320 Linglestown Rd, HARRISBURG, PA

County

Dauphin County

Established

November 1, 1919

Total Assets

$1.1B(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, 2021

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 Q4 2022Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$905M

Net Loans

$962M

Net Income

$12M

ROA

1.14%

ROE

10.15%

Risk-Based Capital

13.28%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate8.55%Peer avg: 9.91%▲ Above avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202215280.26%8.55%
202128379.86%8.83%
202027376.56%11.72%
201920074%12.00%
201819472.16%14.43%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2010

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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