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This institution is no longer active

Operations ceased on January 1, 2025. CRA examination history below reflects the period it was active.

GORHAM SAVINGS BANK

GORHAM, ME · Supervised by FDIC

Est. 1868FDIC #17,748RSSD: FDIC-17748
Part ofGORHAM BCORP MHC→ View all charters
Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.33%

Institution Profile

FDIC BankFind

Address

64 Main St, GORHAM, ME

County

Cumberland County

Established

January 1, 1868

Total Assets

$1.6B(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

November 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2027(based on asset size)

Financial Snapshot

As of Q4 2024Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.4B

Net Loans

$1.3B

Net Income

$5M

ROA

0.33%

ROE

4.67%

Risk-Based Capital

0.00%

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 Rate14.69%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202442269.19%14.69%
202344471.62%11.26%
202271576.92%7.97%
202151573.59%3.50%
202047668.91%7.35%
201922474.11%8.48%
201826476.89%7.58%

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

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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