🏦Bank Scorer

CFSBANK

CHARLEROI, PA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1935FDIC #29,672
Satisfactory Up

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.16%

Institution Profile

FDIC BankFind

Address

101 Mckean Ave, CHARLEROI, PA

County

Washington County

Established

January 1, 1935

Total Assets

$752M(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 13, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Nov 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$752M

Total Deposits

$648M

Net Loans

$475M

Net Income

$293K

ROA

0.16%

ROE

1.55%

Risk-Based Capital

20.63%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate12.92%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$717M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202427172.32%12.92%
202319969.35%14.07%
202239786.9%5.29%
202140382.13%10.42%
202032178.19%14.33%
201919576.92%15.90%
201820580.49%16.10%

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

3 previous ratings locked — dating back to 2014

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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