GERMANTOWN, OH · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$94M
Total Deposits
$84M
Net Loans
$58M
Net Income
$104K
ROA
0.44%
Above avg for Small banks. Peer avg: 0.44%
ROE
5.58%
Risk-Based Capital
18.13%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 51 | 72.55% | 13.73% |
| 2023 | 37 | 75.68% | 13.51% |
| 2019 | 42 | 71.43% | 11.90% |
| 2018 | 47 | 80.85% | 6.38% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2023 | Satisfactory | Small Bank |
| Sep 2018 | Satisfactory | Small Bank |
| Sep 2012 | Satisfactory | Small Bank |
3 previous ratings locked — back to 1997
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Total Branches
1
Branch Deposits
$80M
1-Year Change
0
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