This institution is no longer active

Operations ceased on June 30, 2025. CRA examination history below reflects the period it was active.

CATSKILL HUDSON BANK

MONTICELLO, NY · Supervised by FDIC

Est. 1993FDIC #33,859RSSD: FDIC-33859

Part ofCATSKILL HUDSON BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: June 2022

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.41%

Is this bank safe?

CATSKILL HUDSON BANK holds a Satisfactory CRA rating (2022), shows financial metrics that merit closer review (ROA -0.41%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

4445 State Route 42, MONTICELLO, NY

County

Sullivan County

Established

December 6, 1993

Total Assets

$526M(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, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2024Call Report / FDIC

Total Assets

$526M

Total Deposits

$449M

Net Loans

$423M

Net Income

$-2,292K

ROA

-0.41%

Below avg for Small banks. Peer avg: 0.44%

ROE

-5.80%

Risk-Based Capital

11.97%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA-0.41%Peer avg: 0.44%▼ Below avg

Risk-Based Capital11.97%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate5.56%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	54	77.78%	5.56%
2023	132	71.21%	5.30%
2022	212	84.91%	0.94%
2019	82	68.29%	7.32%

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
Jun 2022	Satisfactory	Intermediate Small Bank
Jul 2019	Satisfactory	Intermediate Small Bank
May 2016	Satisfactory	Intermediate Small Bank

6 previous ratings locked — back to 1995

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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