At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.99%
Is this bank safe?
CENTRAL BANK holds a Satisfactory CRA rating (2025), and meets basic financial requirements (ROA +0.99%).
Institution Profile
FDIC BankFindWebsite
Address
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$164M
Total Deposits
$145M
Net Loans
$109M
Net Income
$394K
ROA
0.99%
Above avg for Small banks. Peer avg: 0.44%
ROE
9.21%
Risk-Based Capital
21.33%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Branch Footprint
Total Branches
3
Branch Deposits
$128M
1-Year Change
0
Rating History
CRA / FFIECRating Trend
↓ DecliningBased on last 3 exams
| Exam Date | Rating | Exam Type |
|---|---|---|
| Nov 2025 | Satisfactory | Small Bank |
| Jul 2019 | Satisfactory | Small Bank |
| Jun 2013 | Outstanding | Small Bank |
5 previous ratings locked — back to 1993
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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