This institution is no longer active

Operations ceased on September 30, 1991. CRA examination history below reflects the period it was active.

HOME AND CITY SAVINGS BANK

ALBANY, NY · Supervised by FDIC

Est. 1850FDIC #16,052RSSD: FDIC-16052

Satisfactory

Current rating · Exam: October 1990

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.14%

Institution Profile

FDIC BankFind

Address

100 State Street, ALBANY, NY

County

Albany County

Established

January 1, 1850

Total Assets

$863M(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

October 9, 1990

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 35 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 1991Call Report / FDIC

Total Assets

$863M

Total Deposits

$758M

Net Loans

$608M

Net Income

$606K

ROA

0.14%

ROE

1.27%

Risk-Based Capital

16.41%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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