This institution is no longer active

Operations ceased on September 18, 2009. CRA examination history below reflects the period it was active.

IRWIN UNION BANK AND TRUST COMPANY

COLUMBUS, IN · Supervised by FDIC

Est. 1928FDIC #10,100RSSD: FDIC-10100

Part ofIRWIN FINANCIAL CORP→ View all charters

Outstanding Same

Current rating · Exam: December 1996

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -8.17%

Institution Profile

FDIC BankFind

Address

500 Washington Street, COLUMBUS, IN

County

Bartholomew County

Established

April 2, 1928

Total Assets

$2.8B(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

December 1, 1996

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 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 2009Call Report / FDIC

Total Assets

$2.8B

Total Deposits

$2.3B

Net Loans

$2.4B

Net Income

$-144,722K

ROA

-8.17%

ROE

-131.97%

Risk-Based Capital

8.25%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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