This institution is no longer active

Operations ceased on November 1, 2023. CRA examination history below reflects the period it was active.

CINCINNATI FEDERAL

CINCINNATI, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1922FDIC #28,346

Satisfactory Same

Current rating · Exam: July 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

6581 Harrison Ave, CINCINNATI, OH

County

Hamilton County

Established

January 1, 1922

Total Assets

$311M(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

July 29, 2019

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 6 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
2023	560	80.89%	3.57%
2022	843	84.82%	3.08%
2021	1,546	86.29%	1.36%
2020	1,700	86.12%	3.06%
2019	746	80.97%	5.36%
2018	580	80.52%	5.86%

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 2014

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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