🏦Bank Scorer

This institution is no longer active

Operations ceased on October 26, 2001. CRA examination history below reflects the period it was active.

CHEMICAL BANK SOUTH

MARSHALL, MI · Supervised by FDIC

Est. 1971FDIC #20,433RSSD: FDIC-20433
Part ofCHEMICAL FINANCIAL CORP→ View all charters
Outstanding Same

Current rating · Exam: November 1997

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.20%

Institution Profile

FDIC BankFind

Address

115 West Drive South, MARSHALL, MI

County

Calhoun County

Established

June 7, 1971

Total Assets

$73M(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
⚠️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 Q3 2001Call Report / FDIC

Total Assets

$73M

Total Deposits

$63M

Net Loans

$38M

Net Income

$627K

ROA

1.20%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.61%

Risk-Based Capital

17.87%

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).

ROA1.20%Peer avg: 0.44%▲ Above avg
Risk-Based Capital17.87%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 DateRatingExam Type
Nov 1997OutstandingSmall Bank
Aug 1994OutstandingNot Reported
May 1992OutstandingNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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