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This institution is no longer active

Operations ceased on August 15, 2009. CRA examination history below reflects the period it was active.

THE PEOPLES BANK OF ELKTON

ELKTON, MD · Supervised by FDIC

Est. 1923FDIC #9,700RSSD: FDIC-9700
Part ofFULTON FINANCIAL CORP→ View all charters
Outstanding Up

Current rating · Exam: July 2003

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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 1.48%

Institution Profile

FDIC BankFind

Address

130 North Street, ELKTON, MD

County

Cecil County

Established

January 1, 1923

Total Assets

$148M(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

July 1, 2003

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 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 2009Call Report / FDIC

Total Assets

$148M

Total Deposits

$131M

Net Loans

$79M

Net Income

$1M

ROA

1.48%

ROE

23.50%

Risk-Based Capital

11.63%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

4 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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