🏦Bank Scorer

This institution is no longer active

Operations ceased on June 30, 2021. CRA examination history below reflects the period it was active.

COMMUNITY STATE BANK OF SOUTHWESTERN INDIANA

POSEYVILLE, IN · Supervised by FDIC

Est. 1925FDIC #8,058RSSD: FDIC-8058
Part ofCYNTHIANA BCORP→ View all charters
Satisfactory Same

Current rating · Exam: September 2015

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.35%

Institution Profile

FDIC BankFind

Address

220 South Lockwood Street, POSEYVILLE, IN

County

Posey County

Established

July 15, 1925

Total Assets

$92M(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

September 1, 2015

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 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 2020Call Report / FDIC

Total Assets

$92M

Total Deposits

$82M

Net Loans

$55M

Net Income

$905K

ROA

1.35%

ROE

13.83%

Risk-Based Capital

17.77%

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 Rate4.73%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202016994.67%4.73%
20196387.3%9.52%
20187391.78%8.22%

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

5 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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