🏦Bank Scorer

This institution is no longer active

Operations ceased on July 7, 2020. CRA examination history below reflects the period it was active.

USNY BANK

GENEVA, NY · Supervised by FDIC

Est. 2007FDIC #58,541RSSD: FDIC-58541
Part ofUPSTATE NEW YORK BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.92%

Institution Profile

FDIC BankFind

Address

389 Hamilton Street, GENEVA, NY

County

Ontario County

Established

July 31, 2007

Total Assets

$464M(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

April 1, 2019

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 2020Call Report / FDIC

Total Assets

$464M

Total Deposits

$413M

Net Loans

$413M

Net Income

$-2,075K

ROA

-0.92%

ROE

-9.04%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.83%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201912089.17%10.83%
201813693.38%4.41%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2009

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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