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This institution is no longer active

Operations ceased on January 1, 2020. CRA examination history below reflects the period it was active.

CLARKSTON STATE BANK

CLARKSTON, MI · Supervised by FDIC

Est. 1998FDIC #34,957RSSD: FDIC-34957
Part ofCLARKSTON FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: January 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.01%

Institution Profile

FDIC BankFind

Address

5800 South Main Street, CLARKSTON, MI

County

Oakland County

Established

December 18, 1998

Total Assets

$232M(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

January 1, 2017

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 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 2019Call Report / FDIC

Total Assets

$232M

Total Deposits

$207M

Net Loans

$199M

Net Income

$2M

ROA

1.01%

ROE

9.76%

Risk-Based Capital

12.17%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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