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This institution is no longer active

Operations ceased on April 3, 2017. CRA examination history below reflects the period it was active.

THE DELAWARE COUNTY BANK AND TRUST COMPANY

LEWIS CENTER, OH · Supervised by FDIC

Est. 1950FDIC #16,940RSSD: FDIC-16940
Part ofDCB FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2015

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -2.34%

Institution Profile

FDIC BankFind

Address

110 Riverbend Avenue, LEWIS CENTER, OH

County

Delaware County

Established

October 7, 1950

Total Assets

$553M(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 1, 2015

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 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 2017Call Report / FDIC

Total Assets

$553M

Total Deposits

$485M

Net Loans

$387M

Net Income

$-3,222K

ROA

-2.34%

ROE

-23.35%

Risk-Based Capital

12.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

9 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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