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This institution is no longer active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 THUMB AREA

CARO, MI · Supervised by FDIC

Est. 1904FDIC #12,175RSSD: FDIC-12175
Part ofCHEMICAL FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 1997

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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

240 North State Street, CARO, MI

County

Tuscola County

Established

May 4, 1904

Total Assets

$175M(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 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

$175M

Total Deposits

$154M

Net Loans

$85M

Net Income

$2M

ROA

1.14%

ROE

11.37%

Risk-Based Capital

19.46%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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