This institution is no longer active

Operations ceased on June 20, 1998. CRA examination history below reflects the period it was active.

CENTURY SAVINGS BANK

UPPER ARLINGTON, OH · Supervised by FDIC

Est. 1901FDIC #26,282RSSD: FDIC-26282

Outstanding Same

Current rating · Exam: March 1997

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.24%

Institution Profile

FDIC BankFind

Address

1720 Zollinger Road, UPPER ARLINGTON, OH

County

Franklin County

Established

March 1, 1901

Total Assets

$234M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 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 Q1 1998Call Report / FDIC

Total Assets

$234M

Total Deposits

$209M

Net Loans

$213M

Net Income

$750K

ROA

1.24%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.14%

Risk-Based Capital

13.12%

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).

ROA1.24%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.12%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate19.96%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	526	58.94%	19.96%
2023	402	63.68%	21.64%
2022	661	74.13%	12.10%
2021	767	77.18%	7.82%
2020	813	79.7%	12.05%
2019	766	69.19%	13.19%
2018	827	62.27%	17.41%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Mar 1997	Outstanding	Small Bank
Jan 1994	Outstanding	Not Reported
Jun 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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