🏦Bank Scorer

This institution is no longer active

Operations ceased on December 6, 2014. CRA examination history below reflects the period it was active.

RIVERSIDE BANK

POUGHKEEPSIE, NY · Supervised by FDIC

Est. 1988FDIC #27,181RSSD: FDIC-27181
Satisfactory Same

Current rating · Exam: October 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.94%

Institution Profile

FDIC BankFind

Address

11 Garden Street, POUGHKEEPSIE, NY

County

Dutchess County

Established

February 12, 1988

Total Assets

$232M(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

October 1, 2012

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 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 2014Call Report / FDIC

Total Assets

$232M

Total Deposits

$203M

Net Loans

$198M

Net Income

$2M

ROA

0.94%

ROE

8.15%

Risk-Based Capital

14.16%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.00%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20232090%10.00%
20194390.7%4.65%
20182989.66%10.34%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 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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