This institution is no longer active

Operations ceased on October 16, 1992. CRA examination history below reflects the period it was active.

UNIVERSAL BANK

LANHAM, MD · Supervised by FDIC

Est. 1978FDIC #22,689RSSD: FDIC-22689

Needs to Improve

Current rating · Exam: September 1992

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Needs Attention

ROA -7.18%

Institution Profile

FDIC BankFind

Address

7919 North George Palmer Highway, LANHAM, MD

County

Prince George'S County

Established

July 25, 1978

Total Assets

$18M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

September 5, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 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 Q3 1992Call Report / FDIC

Total Assets

$18M

Total Deposits

$18M

Net Loans

$14M

Net Income

$-1,114K

ROA

-7.18%

ROE

-194.67%

Risk-Based Capital

-0.93%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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