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This institution is no longer active

Operations ceased on June 5, 2003. CRA examination history below reflects the period it was active.

SECURITY FEDERAL BANK & TRUST

SAINT JOHN, IN · Supervised by OTS

Est. 1934FDIC #29,580
Satisfactory Same

Current rating · Exam: October 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

9321 Wicker Avenue, SAINT JOHN, IN

County

Lake County

Established

January 1, 1934

Total Assets

$199M(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 6, 1997

Exam Type

Small Bank

Regulator

OTS
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)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202431164.63%8.68%
202334570.14%7.25%
202249875.5%4.22%
202160779.74%6.92%
202069879.23%6.02%
201943776.89%8.01%
201830376.57%7.92%

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 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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