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This institution is no longer active

Operations ceased on September 1, 2019. CRA examination history below reflects the period it was active.

MONROE BANK & TRUST

MONROE, MI · Supervised by FDIC

Est. 1905FDIC #12,181RSSD: FDIC-12181
Part ofMBT FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: March 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.25%

Institution Profile

FDIC BankFind

Address

102 East Front Street, MONROE, MI

County

Monroe County

Established

January 1, 1905

Total Assets

$1.3B(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

March 1, 2018

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 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 2019Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.2B

Net Loans

$762M

Net Income

$2M

ROA

0.25%

ROE

2.61%

Risk-Based Capital

15.71%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate17.43%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201941373.85%17.43%
20181,04074.33%13.08%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 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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