🏦Bank Scorer

This institution is no longer active

Operations ceased on December 3, 2016. CRA examination history below reflects the period it was active.

FIRST CHOICE BANK

LAWRENCEVILLE, NJ · Supervised by FDIC

Est. 2007FDIC #58,471RSSD: FDIC-58471
Satisfactory Same

Current rating · Exam: August 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.08%

Institution Profile

FDIC BankFind

Address

669 Whitehead Road, LAWRENCEVILLE, NJ

County

Mercer County

Established

March 23, 2007

Total Assets

$1.1B(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, 2016

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 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 2016Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$885M

Net Loans

$570M

Net Income

$9M

ROA

1.08%

ROE

11.25%

Risk-Based Capital

19.16%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 9.91%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20193473.53%0.00%
20183083.33%0.00%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2009

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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