This institution is no longer active

Operations ceased on January 1, 2003. CRA examination history below reflects the period it was active.

NORTHERN STATE BANK

TOWANDA, PA · Supervised by FDIC

Est. 1999FDIC #35,210RSSD: FDIC-35210

Satisfactory

Current rating · Exam: February 2002

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.99%

Institution Profile

FDIC BankFind

Address

304 Main Street, TOWANDA, PA

County

Bradford County

Established

July 6, 1999

Total Assets

$86M(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

February 1, 2002

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 24 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 Q4 2002Call Report / FDIC

Total Assets

$86M

Total Deposits

$75M

Net Loans

$63M

Net Income

$-787K

ROA

-0.99%

ROE

-8.87%

Risk-Based Capital

13.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/7154579a-cd54-487c-9798-acb58364b8f0"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: