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This institution is no longer active

Operations ceased on March 14, 1996. CRA examination history below reflects the period it was active.

MUTUAL SAVINGS BANK, FSB

DANVILLE, VA · Supervised by OTS

Est. 1907FDIC #30,201
Satisfactory Same

Current rating · Exam: May 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

500 Main Street, DANVILLE, VA

County

Danville City County

Established

January 1, 1907

Total Assets

$85M(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 8, 1995

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
YearApplicationsOrig. RateDenial Rate
202410767.29%3.74%
202329756.9%5.72%
20221,18057.29%8.31%
20211,41073.12%6.03%
20202,30167.41%8.13%
201995460.48%12.47%
201859779.06%8.38%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings 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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