This institution is no longer active

Operations ceased on August 30, 1994. CRA examination history below reflects the period it was active.

FIRST BANK AND TRUST COMPANY OF OAKLAND CITY

OAKLAND CITY, IN · Supervised by FDIC

Est. 1889FDIC #4,404RSSD: FDIC-4404

Part ofOAKLAND CITY BANCSHARES CORP→ View all charters

Satisfactory

Current rating · Exam: June 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.95%

Institution Profile

FDIC BankFind

Address

117 North Main Street, OAKLAND CITY, IN

County

Gibson County

Established

January 1, 1889

Total Assets

$32M(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

June 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 34 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 Q2 1994Call Report / FDIC

Total Assets

$32M

Total Deposits

$28M

Net Loans

$12M

Net Income

$151K

ROA

0.95%

ROE

11.20%

Risk-Based Capital

22.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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