This institution is no longer active

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

PEOPLES SAVINGS BANK

RIDGWAY, PA · Supervised by FDIC

Est. 1891FDIC #30,609RSSD: FDIC-30609

Part ofPEOPLES SAVINGS FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: April 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.34%

Institution Profile

FDIC BankFind

Address

173 Main Street, RIDGWAY, PA

County

Elk County

Established

January 1, 1891

Total Assets

$45M(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

April 1, 1998

Exam Type

Small 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 Q2 1998Call Report / FDIC

Total Assets

$45M

Total Deposits

$36M

Net Loans

$32M

Net Income

$75K

ROA

0.34%

ROE

1.74%

Risk-Based Capital

42.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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