This institution is no longer active

Operations ceased on September 12, 2014. CRA examination history below reflects the period it was active.

VALLEY SAVINGS BANK

CUYAHOGA FALLS, OH · Supervised by FDIC

Est. 1923FDIC #30,693RSSD: FDIC-30693

Satisfactory Same

Current rating · Exam: May 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.52%

Institution Profile

FDIC BankFind

Address

Portage Trail And Second Street, CUYAHOGA FALLS, OH

County

Summit County

Established

January 1, 1923

Total Assets

$130M(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

May 1, 2009

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 2014Call Report / FDIC

Total Assets

$130M

Total Deposits

$102M

Net Loans

$117M

Net Income

$333K

ROA

0.52%

ROE

5.39%

Risk-Based Capital

13.60%

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 Rate11.00%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	100	69%	11.00%
2023	98	72.45%	9.18%
2022	121	62.81%	9.92%
2021	110	72.73%	5.45%
2020	130	71.54%	11.54%
2019	115	61.74%	20.87%
2018	82	69.51%	7.32%

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 2 exams

1 previous rating locked — dating back to 2004

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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