🏦Bank Scorer

This institution is no longer active

Operations ceased on February 5, 2007. CRA examination history below reflects the period it was active.

COMMUNITY BANK

CARO, MI · Supervised by FDIC

Est. 1926FDIC #1,587RSSD: FDIC-1587
Part ofNORTHSTAR FINANCIAL GROUP INC→ View all charters
Outstanding Same

Current rating · Exam: November 2004

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -0.02%

Institution Profile

FDIC BankFind

Address

1100 East Caro Road, CARO, MI

County

Tuscola County

Established

January 1, 1926

Total Assets

$78M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 21 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 2006Call Report / FDIC

Total Assets

$78M

Total Deposits

$70M

Net Loans

$36M

Net Income

$-12K

ROA

-0.02%

ROE

-0.17%

Risk-Based Capital

15.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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