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This institution is no longer active

Operations ceased on March 28, 1997. CRA examination history below reflects the period it was active.

CHARTER BANK

DELRAY BEACH, FL · Supervised by OTS

Est. 1983FDIC #32,166
Satisfactory Same

Current rating · Exam: January 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

5300 West Atlantic Boulevard, DELRAY BEACH, FL

County

Palm Beach County

Established

June 2, 1983

Total Assets

$236M(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

January 22, 1996

Exam Type

Assessment Factor

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 30 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)
Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411170.27%15.32%
202311883.9%10.17%
202219680.61%7.14%
202152085.38%5.19%
202021263.21%12.26%
201949771.83%10.26%
201843482.95%8.53%

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

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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