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This institution is no longer active

Operations ceased on January 1, 2001. CRA examination history below reflects the period it was active.

CHEMICAL BANK MONTCALM

STANTON, MI · Supervised by FDIC

Est. 1901FDIC #14,947RSSD: FDIC-14947
Part ofCHEMICAL FINANCIAL CORP→ View all charters
Outstanding Same

Current rating · Exam: November 1997

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.45%

Institution Profile

FDIC BankFind

Address

110 East Main, STANTON, MI

County

Montcalm County

Established

January 1, 1901

Total Assets

$134M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 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 2000Call Report / FDIC

Total Assets

$134M

Total Deposits

$117M

Net Loans

$96M

Net Income

$2M

ROA

1.45%

ROE

14.77%

Risk-Based Capital

16.55%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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