This institution is no longer active

Operations ceased on December 14, 1992. CRA examination history below reflects the period it was active.

HARBOR COUNTRY BANKING COMPANY

THREE OAKS, MI · Supervised by FDIC

Est. 1923FDIC #16,552RSSD: FDIC-16552

Part ofLINCOLN FINANCIAL CORP→ View all charters

Satisfactory

Current rating · Exam: August 1992

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -4.10%

Institution Profile

FDIC BankFind

Address

3 North Elm Street, THREE OAKS, MI

County

Berrien County

Established

January 1, 1923

Total Assets

$86M(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, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 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 1992Call Report / FDIC

Total Assets

$86M

Total Deposits

$77M

Net Loans

$50M

Net Income

$-2,870K

ROA

-4.10%

ROE

-71.52%

Risk-Based Capital

11.07%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/e52e18db-f457-44ce-a80d-3c2961f05854"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: