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This institution is no longer active

Operations ceased on September 11, 2004. CRA examination history below reflects the period it was active.

GUARANTY BANK

CHARLOTTESVILLE, VA · Supervised by OTS

Est. 1981FDIC #32,073
Outstanding Up

Current rating · Exam: November 1994

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Institution Profile

FDIC BankFind

Address

1658 State Farm Boulevard, CHARLOTTESVILLE, VA

County

Charlottesville City County

Established

February 5, 1981

Total Assets

$255M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 14, 1994

Exam Type

Assessment Factor

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 31 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)
Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202436884.51%4.08%
202337778.25%4.24%
20211,20985.19%2.32%
20201,29385.69%3.09%
201991381.38%7.67%
201890783.57%7.06%

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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