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This institution is no longer active

Operations ceased on May 23, 2014. CRA examination history below reflects the period it was active.

COLUMBIA SAVINGS BANK

CINCINNATI, OH · Supervised by FDIC

Est. 1892FDIC #32,284RSSD: FDIC-32284
Part ofCOLUMBIA BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.77%

Institution Profile

FDIC BankFind

Address

411 Ludlow Avenue, CINCINNATI, OH

County

Hamilton County

Established

October 30, 1892

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

May 1, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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 Q1 2014Call Report / FDIC

Total Assets

$36M

Total Deposits

$30M

Net Loans

$25M

Net Income

$-164K

ROA

-1.77%

ROE

-77.36%

Risk-Based Capital

4.85%

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 Rate29.67%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20222,45461.12%29.67%
20213,27662.48%24.88%
20203,86361.25%26.38%
20192,60656.52%33.77%
20182,84855.34%34.30%

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 3 exams

4 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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