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This institution is no longer active

Operations ceased on January 6, 1995. CRA examination history below reflects the period it was active.

LINCOLN SAVINGS BANK

CARNEGIE, PA · Supervised by FDIC

Est. 1970FDIC #20,272RSSD: FDIC-20272
Satisfactory Same

Current rating · Exam: July 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.29%

Institution Profile

FDIC BankFind

Address

1 West Mall Plaza, CARNEGIE, PA

County

Allegheny County

Established

October 8, 1970

Total Assets

$343M(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

July 1, 1994

Exam Type

Not Reported

Regulator

FDIC
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)

Financial Snapshot

As of Q4 1994Call Report / FDIC

Total Assets

$343M

Total Deposits

$160M

Net Loans

$118M

Net Income

$836K

ROA

0.29%

ROE

3.03%

Risk-Based Capital

22.35%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.74%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202440287.56%2.74%
20231,07170.49%1.87%
20221,51276.85%3.04%
20212,38975.18%2.26%
20203,13574.07%3.70%
20191,85178.44%3.51%
20181,49677.54%5.15%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

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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