This institution is no longer active

Operations ceased on February 1, 2023. CRA examination history below reflects the period it was active.

CENTRIC BANK

HARRISBURG, PA · Supervised by FDIC

Est. 1919FDIC #7,461RSSD: FDIC-7461

Part ofCENTRIC FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: June 2021

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.14%

Is this bank safe?

CENTRIC BANK holds a Satisfactory CRA rating (2021), is financially strong (ROA +1.14%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

4320 Linglestown Rd, HARRISBURG, PA

County

Dauphin County

Established

November 1, 1919

Total Assets

$1.1B(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, 2021

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 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 2022Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$905M

Net Loans

$962M

Net Income

$12M

ROA

1.14%

Above avg for Community banks. Peer avg: 0.90%

ROE

10.15%

Risk-Based Capital

13.28%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.14%Peer avg: 0.90%▲ Above avg

Risk-Based Capital13.28%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate8.55%Peer avg: 10.20%▼ Fewer than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	152	80.26%	8.55%
2021	283	79.86%	8.83%
2020	273	76.56%	11.72%
2019	200	74%	12.00%
2018	194	72.16%	14.43%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jun 2021	Satisfactory	Intermediate Small Bank
Apr 2019	Satisfactory	Intermediate Small Bank
Mar 2016	Satisfactory	Small Bank

1 previous rating locked — back to 2010

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/centric-bank"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: