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This institution is no longer active

Operations ceased on September 20, 2002. CRA examination history below reflects the period it was active.

THE PAVILION STATE BANK

LE ROY, NY · Supervised by FDIC

Est. 1928FDIC #8,915RSSD: FDIC-8915
Part ofFINANCIAL INSTITUTIONS INC→ View all charters
Outstanding Same

Current rating · Exam: January 1999

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.40%

Institution Profile

FDIC BankFind

Address

124 West Main Street, LE ROY, NY

County

Genesee County

Established

November 28, 1928

Total Assets

$185M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 Q2 2002Call Report / FDIC

Total Assets

$185M

Total Deposits

$156M

Net Loans

$130M

Net Income

$1M

ROA

1.40%

ROE

19.93%

Risk-Based Capital

10.69%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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