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This institution is no longer active

Operations ceased on September 30, 2025. CRA examination history below reflects the period it was active.

MID-SOUTHERN SAVINGS BANK, FSB

SALEM, IN · Supervised by OTS

Est. 1891FDIC #30,133
Satisfactory Same

Current rating · Exam: May 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

300 N Water St, SALEM, IN

County

Washington County

Established

January 1, 1891

Total Assets

$228M(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

May 7, 2007

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 19 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
YearApplicationsOrig. RateDenial Rate
20245565.45%25.45%
20238256.1%20.73%
20228877.27%7.95%
202112467.74%23.39%
202012565.6%25.60%
201911263.39%19.64%
201814565.52%15.17%

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

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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