This institution is no longer active

Operations ceased on February 2, 2013. CRA examination history below reflects the period it was active.

CENTURY BANK

EUGENE, OR · Supervised by FDIC

Est. 2004FDIC #57,720RSSD: FDIC-57720

Satisfactory Same

Current rating · Exam: August 2011

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.53%

Is this bank safe?

CENTURY BANK holds a Satisfactory CRA rating (2011), is financially strong (ROA +1.53%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

169 West 6th Avenue, EUGENE, OR

County

Lane County

Established

April 5, 2004

Total Assets

$83M(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

August 1, 2011

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 14 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 2012Call Report / FDIC

Total Assets

$83M

Total Deposits

$69M

Net Loans

$65M

Net Income

$1M

ROA

1.53%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.00%

Risk-Based Capital

19.25%

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).

ROA1.53%Peer avg: 0.44%▲ Above avg

Risk-Based Capital19.25%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate13.33%Peer avg: 6.90%▲ More than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	105	73.33%	13.33%
2020	122	52.46%	25.41%
2019	128	63.28%	18.75%
2018	96	56.25%	25.00%

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
Aug 2011	Satisfactory	Small Bank
May 2006	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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