🏦Bank Scorer

This institution is no longer active

Operations ceased on May 1, 2022. CRA examination history below reflects the period it was active.

RSI BANK

RAHWAY, NJ · Supervised by FDIC

Est. 1851FDIC #12,017RSSD: FDIC-12017
Part ofRSI BCORP MHC→ View all charters
Satisfactory Same

Current rating · Exam: September 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.48%

Institution Profile

FDIC BankFind

Address

1500 Irving Street, RAHWAY, NJ

County

Union County

Established

March 12, 1851

Total Assets

$621M(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

September 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 Q1 2022Call Report / FDIC

Total Assets

$621M

Total Deposits

$511M

Net Loans

$339M

Net Income

$748K

ROA

0.48%

ROE

3.24%

Risk-Based Capital

0.00%

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 Rate19.35%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20226258.06%19.35%
202128263.83%10.64%
202029761.62%10.10%
201916655.42%11.45%
201819056.84%12.11%

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

10 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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