This institution is no longer active

Operations ceased on March 19, 1998. CRA examination history below reflects the period it was active.

CENTRAL BANK

WEST ALLIS, WI · Supervised by FDIC

Est. 1960FDIC #18,233RSSD: FDIC-18233

Part ofASSOCIATED BANC-CORP→ View all charters

Satisfactory Same

Current rating · Exam: November 1994

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.50%

Institution Profile

FDIC BankFind

Address

10701 West National Avenue, WEST ALLIS, WI

County

Milwaukee County

Established

May 20, 1960

Total Assets

$76M(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

November 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q4 1997Call Report / FDIC

Total Assets

$76M

Total Deposits

$65M

Net Loans

$31M

Net Income

$1M

ROA

1.50%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.40%

Risk-Based Capital

23.68%

Above 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).

ROA1.50%Peer avg: 0.44%▲ Above avg

Risk-Based Capital23.68%Peer avg: 23.03%▲ Above avg

Mortgage Denial Rate7.67%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	2,906	78.97%	7.67%
2020	6,255	82.11%	5.96%
2019	4,116	79.03%	7.70%
2018	3,787	78.32%	7.47%

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

Exam Date	Rating	Exam Type
Nov 1994	Satisfactory	Not Reported
Jul 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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