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This institution is no longer active

Operations ceased on December 31, 1998. CRA examination history below reflects the period it was active.

NORTHERN CENTRAL BANK

WILLIAMSPORT, PA · Supervised by FDIC

Est. 1934FDIC #13,754RSSD: FDIC-13754
Part ofKEYSTONE FINANCIAL INC→ View all charters
Satisfactory Down

Current rating · Exam: December 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.38%

Institution Profile

FDIC BankFind

Address

101 West Third Street, WILLIAMSPORT, PA

County

Lycoming County

Established

January 2, 1934

Total Assets

$1.2B(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

December 1, 1997

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 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 1998Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$870M

Net Loans

$858M

Net Income

$12M

ROA

1.38%

ROE

17.12%

Risk-Based Capital

11.56%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 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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