This institution is no longer active

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

FAIRPORT SAVINGS BANK

FAIRPORT, NY · Supervised by FDIC

Est. 1888FDIC #30,056RSSD: FDIC-30056

Part ofFSB BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: August 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.43%

Institution Profile

FDIC BankFind

Address

45 South Main St, FAIRPORT, NY

County

Monroe County

Established

January 1, 1888

Total Assets

$319M(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

August 1, 2019

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 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 2020Call Report / FDIC

Total Assets

$319M

Total Deposits

$234M

Net Loans

$275M

Net Income

$-344K

ROA

-0.43%

ROE

-4.64%

Risk-Based Capital

0.00%

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 Rate7.44%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2020	121	80.99%	7.44%
2019	410	81.71%	8.54%
2018	645	82.48%	6.20%

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 2 exams

1 previous rating locked — dating back to 2013

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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