This institution is no longer active

Operations ceased on June 1, 1996. CRA examination history below reflects the period it was active.

SECOND NATIONAL BANK OF BAY CITY

BAY CITY, MI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1976FDIC #22,203

Satisfactory

Current rating · Exam: November 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

701 Washington Avenue, BAY CITY, MI

County

Bay County

Established

January 5, 1976

Total Assets

$167M(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

November 15, 1994

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 31 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)

This is the only examination on record for this bank.

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