This institution is no longer active

Operations ceased on April 25, 2009. CRA examination history below reflects the period it was active.

FNB FINANCIAL

THREE RIVERS, MI · Supervised by FDIC

Est. 1864FDIC #5,048RSSD: FDIC-5048

Part ofSOUTHERN MICHIGAN BCORP INC→ View all charters

Satisfactory

Current rating · Exam: August 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.34%

Institution Profile

FDIC BankFind

Address

88 North Main Street, THREE RIVERS, MI

County

St. Joseph County

Established

January 1, 1864

Total Assets

$152M(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, 2008

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 2009Call Report / FDIC

Total Assets

$152M

Total Deposits

$121M

Net Loans

$78M

Net Income

$-129K

ROA

-0.34%

ROE

-1.99%

Risk-Based Capital

13.30%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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