This institution is no longer active

Operations ceased on January 1, 1991. CRA examination history below reflects the period it was active.

FIRST CENTRAL BANK

LACONIA, NH · Supervised by FDIC

Est. 1889FDIC #18,029RSSD: FDIC-18029

Part ofGOVERNOR&COMPANY BK IRELAND→ View all charters

Satisfactory

Current rating · Exam: April 1990

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.54%

Institution Profile

FDIC BankFind

Address

On The Mall, LACONIA, NH

County

Belknap County

Established

January 1, 1889

Total Assets

$440M(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

April 11, 1990

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 36 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 1990Call Report / FDIC

Total Assets

$440M

Total Deposits

$371M

Net Loans

$337M

Net Income

$-16,739K

ROA

-3.54%

ROE

-64.03%

Risk-Based Capital

7.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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