🏦Bank Scorer

This institution is no longer active

Operations ceased on April 1, 1998. CRA examination history below reflects the period it was active.

THE UNION STATE BANK

PAYNE, OH · Supervised by FDIC

Est. 1932FDIC #11,859RSSD: FDIC-11859
Satisfactory Same

Current rating · Exam: June 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.62%

Institution Profile

FDIC BankFind

Address

Main At Merrin Streets, PAYNE, OH

County

Paulding County

Established

January 13, 1932

Total Assets

$62M(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

June 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 1998Call Report / FDIC

Total Assets

$62M

Total Deposits

$52M

Net Loans

$40M

Net Income

$-97K

ROA

-0.62%

ROE

-4.22%

Risk-Based Capital

24.33%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 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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