🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 2016. CRA examination history below reflects the period it was active.

MONUMENT BANK

BETHESDA, MD · Supervised by FDIC

Est. 2005FDIC #57,942RSSD: FDIC-57942
Satisfactory Same

Current rating · Exam: July 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.10%

Institution Profile

FDIC BankFind

Address

7700 Old Georgetown Road, BETHESDA, MD

County

Montgomery County

Established

September 6, 2005

Total Assets

$513M(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, 2014

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 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 Q3 2016Call Report / FDIC

Total Assets

$513M

Total Deposits

$430M

Net Loans

$405M

Net Income

$-380K

ROA

-0.10%

ROE

-1.18%

Risk-Based Capital

11.09%

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 Rate3.64%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20185589.09%3.64%

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 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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