This institution is no longer active

Operations ceased on April 9, 2010. CRA examination history below reflects the period it was active.

THE TROY COMMERCIAL BANK

LOCKPORT, NY · Supervised by FDIC

Est. 2000FDIC #35,591RSSD: FDIC-35591

Satisfactory

Current rating · Exam: December 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.24%

Institution Profile

FDIC BankFind

Address

55 East Avenue, LOCKPORT, NY

County

Niagara County

Established

August 3, 2000

Total Assets

$1.3B(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

December 1, 2002

Exam Type

Wholesale/Limited Purpose

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 23 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 2010Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.2B

Net Loans

—

Net Income

$686K

ROA

0.24%

ROE

3.40%

Risk-Based Capital

22.90%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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