This institution is no longer active

Operations ceased on November 7, 1996. CRA examination history below reflects the period it was active.

CHEMICAL BANK FSB

PALM BEACH, FL · Supervised by OTS

Est. 1982FDIC #23,890

Satisfactory Same

Current rating · Exam: March 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

205 Royal Palm Way, PALM BEACH, FL

County

Palm Beach County

Established

June 17, 1982

Total Assets

$136M(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

March 6, 1995

Exam Type

Assessment Factor

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 31 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

Year	Applications	Orig. Rate	Denial Rate
2019	9,351	61.26%	17.97%
2018	15,266	65.33%	15.05%

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 2 exams

1 previous rating locked — dating back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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