This institution is no longer active

Operations ceased on July 29, 1994. CRA examination history below reflects the period it was active.

CAPITAL SAVINGS BANK,FSB

TIMONIUM, MD · Supervised by OTS

Est. 1907FDIC #29,931

Needs to Improve Same

Current rating · Exam: October 1993

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Is this bank safe?

CAPITAL SAVINGS BANK,FSB received a Needs to Improve CRA rating (1993). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

2219 York Road, TIMONIUM, MD

County

Baltimore County

Established

January 1, 1907

Total Assets

$55M(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

October 25, 1993

Exam Type

Assessment Factor

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 32 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)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	680	79.56%	2.94%
2023	702	77.07%	1.99%
2019	515	71.46%	6.99%
2018	488	74.59%	6.15%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 1993	Needs to Improve	Assessment Factor
Mar 1992	Needs to Improve	Assessment Factor

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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