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This institution is no longer active

Operations ceased on April 1, 2002. CRA examination history below reflects the period it was active.

THE SPARKS STATE BANK

SPARKS, MD · Supervised by FDIC

Est. 1916FDIC #5,868RSSD: FDIC-5868
Part ofMERCANTILE BANKSHARES CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.09%

Institution Profile

FDIC BankFind

Address

York Road, SPARKS, MD

County

Baltimore County

Established

October 17, 1916

Total Assets

$272M(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, 1998

Exam Type

Large 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 Q1 2002Call Report / FDIC

Total Assets

$272M

Total Deposits

$209M

Net Loans

$186M

Net Income

$1M

ROA

2.09%

ROE

15.49%

Risk-Based Capital

18.78%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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