This institution is no longer active

Operations ceased on November 12, 2021. CRA examination history below reflects the period it was active.

STANDING STONE BANK

LANCASTER, OH · Supervised by FDIC

Est. 1989FDIC #27,506RSSD: FDIC-27506

Part ofSSNB INC→ View all charters

Satisfactory

Current rating · Exam: February 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.86%

Institution Profile

FDIC BankFind

Address

137 West Wheeling Street, LANCASTER, OH

County

Fairfield County

Established

May 12, 1989

Total Assets

$111M(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

February 1, 2017

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 9 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 2021Call Report / FDIC

Total Assets

$111M

Total Deposits

$100M

Net Loans

$68M

Net Income

$710K

ROA

0.86%

ROE

9.26%

Risk-Based Capital

16.60%

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 Rate8.24%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	85	84.71%	8.24%
2018	96	88.54%	6.25%

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

This is the only examination on record for this bank.

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