This institution is no longer active

Operations ceased on March 8, 1996. CRA examination history below reflects the period it was active.

METRO SAVINGS BANK, FSB

WOOD RIVER, IL · Supervised by OTS

Est. 1915FDIC #30,083

Satisfactory Same

Current rating · Exam: October 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

1301 Edwardsville Rd, WOOD RIVER, IL

County

Madison County

Established

January 1, 1915

Total Assets

$82M(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 3, 1994

Exam Type

Assessment Factor

Regulator

OTS

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)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	1,753	68.68%	5.99%
2021	2,594	73.17%	2.85%
2020	3,778	66.17%	4.34%
2019	3,018	64.38%	6.83%
2018	2,150	63.21%	9.02%

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 2 exams

1 previous rating 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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