This institution is no longer active

Operations ceased on January 1, 2001. CRA examination history below reflects the period it was active.

CHEMICAL BANK NORTH

GRAYLING, MI · Supervised by FDIC

Est. 1979FDIC #22,947RSSD: FDIC-22947

Part ofCHEMICAL FINANCIAL CORP→ View all charters

Outstanding Same

Current rating · Exam: November 1997

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.21%

Institution Profile

FDIC BankFind

Address

2500 I-75 Business Loop, GRAYLING, MI

County

Crawford County

Established

September 10, 1979

Total Assets

$84M(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

November 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 2000Call Report / FDIC

Total Assets

$84M

Total Deposits

$73M

Net Loans

$41M

Net Income

$1M

ROA

1.21%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.02%

Risk-Based Capital

20.09%

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).

ROA1.21%Peer avg: 0.44%▲ Above avg

Risk-Based Capital20.09%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 1997	Outstanding	Small Bank
Nov 1994	Outstanding	Not Reported
Oct 1992	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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