🏦Bank Scorer

This institution is no longer active

Operations ceased on December 1, 2007. CRA examination history below reflects the period it was active.

THE MONTROSE STATE BANK

MONTROSE, MI · Supervised by FDIC

Est. 1912FDIC #12,436RSSD: FDIC-12436
Part ofMSB HOLDING INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.94%

Institution Profile

FDIC BankFind

Address

201 West State Street, MONTROSE, MI

County

Genesee County

Established

October 12, 1912

Total Assets

$61M(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 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 21 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 2007Call Report / FDIC

Total Assets

$61M

Total Deposits

$48M

Net Loans

$36M

Net Income

$431K

ROA

0.94%

ROE

4.89%

Risk-Based Capital

38.40%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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