This institution is no longer active

Operations ceased on August 31, 2005. CRA examination history below reflects the period it was active.

FIRST FINANCIAL BANK

DOWNINGTOWN, PA · Supervised by FDIC

Est. 1922FDIC #30,929RSSD: FDIC-30929

Part ofCHESTER VALLEY BCORP INC→ View all charters

Satisfactory

Current rating · Exam: February 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.45%

Institution Profile

FDIC BankFind

Address

100 East Lancaster Ave, DOWNINGTOWN, PA

County

Chester County

Established

January 1, 1922

Total Assets

$667M(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

February 1, 2003

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 23 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 2005Call Report / FDIC

Total Assets

$667M

Total Deposits

$453M

Net Loans

$443M

Net Income

$2M

ROA

0.45%

ROE

4.85%

Risk-Based Capital

13.21%

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 Rate21.52%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	17,859	67.92%	21.52%
2023	17,409	67.56%	22.16%
2022	19,054	69.85%	19.08%
2021	24,307	72.8%	14.99%
2020	27,563	71.23%	15.34%
2019	20,695	67.97%	19.76%
2018	18,351	67.41%	21.61%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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