🏦Bank Scorer

This institution is no longer active

Operations ceased on March 31, 1997. CRA examination history below reflects the period it was active.

COLONIAL STATE BANK

FREEHOLD, NJ · Supervised by FDIC

Est. 1988FDIC #27,323RSSD: FDIC-27323
Satisfactory Up

Current rating · Exam: October 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.25%

Institution Profile

FDIC BankFind

Address

521 Park Avenue, FREEHOLD, NJ

County

Monmouth County

Established

August 29, 1988

Total Assets

$233M(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

October 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 Q4 1996Call Report / FDIC

Total Assets

$233M

Total Deposits

$217M

Net Loans

$130M

Net Income

$330K

ROA

0.25%

ROE

3.12%

Risk-Based Capital

10.06%

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 Rate17.95%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243969.23%17.95%
20235267.31%15.38%
202210874.07%7.41%
202110575.24%10.48%
20208660.47%18.60%
201912072.5%15.83%
20189776.29%11.34%

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

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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