This institution is no longer active

Operations ceased on January 1, 1995. CRA examination history below reflects the period it was active.

OLD KENT BANK OF GAYLORD

GAYLORD, MI · Supervised by FDIC

Est. 1893FDIC #14,458RSSD: FDIC-14458

Part ofOLD KENT FINANCIAL CORP→ View all charters

Outstanding

Current rating · Exam: April 1994

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.02%

Institution Profile

FDIC BankFind

Address

123 West Main Street, GAYLORD, MI

County

Otsego County

Established

March 4, 1893

Total Assets

$171M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 1994Call Report / FDIC

Total Assets

$171M

Total Deposits

$155M

Net Loans

$96M

Net Income

$3M

ROA

2.02%

ROE

30.76%

Risk-Based Capital

12.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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