This institution is no longer active

Operations ceased on October 1, 1997. CRA examination history below reflects the period it was active.

CITY SAVINGS BANK

HARTFORD CITY, IN · Supervised by FDIC

Est. 1919FDIC #29,886RSSD: FDIC-29886

Part ofTOWN FINANCIAL CORP→ View all charters

Satisfactory

Current rating · Exam: July 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.43%

Institution Profile

FDIC BankFind

Address

121 North High Street, HARTFORD CITY, IN

County

Blackford County

Established

January 1, 1919

Total Assets

$36M(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 1, 1995

Exam Type

Not Reported

Regulator

FDIC

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)

Financial Snapshot

As of Q3 1997Call Report / FDIC

Total Assets

$36M

Total Deposits

$31M

Net Loans

$28M

Net Income

$119K

ROA

0.43%

ROE

4.59%

Risk-Based Capital

18.25%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.53%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	95	76.84%	10.53%
2023	98	72.45%	5.10%
2022	669	82.21%	13.00%
2021	265	100%	0.00%
2020	197	98.98%	1.02%
2019	428	79.44%	7.48%
2018	174	67.82%	12.07%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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