🏦Bank Scorer

This institution is no longer active

Operations ceased on February 18, 2017. CRA examination history below reflects the period it was active.

MBANK

GRESHAM, OR · Supervised by FDIC

Est. 1995FDIC #34,093RSSD: FDIC-34093
Part ofMERCHANTS BCORP→ View all charters
Satisfactory Same

Current rating · Exam: January 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.38%

Institution Profile

FDIC BankFind

Address

1290 Northeast Burnside Road, GRESHAM, OR

County

Multnomah County

Established

December 1, 1995

Total Assets

$153M(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

January 1, 2016

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 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 2016Call Report / FDIC

Total Assets

$153M

Total Deposits

$127M

Net Loans

$116M

Net Income

$621K

ROA

0.38%

ROE

2.90%

Risk-Based Capital

12.96%

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 Rate11.95%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20211,13070.71%11.95%
20202,16872.69%10.38%
20191,31868.51%13.88%
20181,00967.29%15.16%

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

4 previous ratings locked — dating back to 1997

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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