This institution is no longer active

Operations ceased on January 23, 1998. CRA examination history below reflects the period it was active.

CONSUMERS SAVINGS BANK

MIAMI, FL · Supervised by OTS

Est. 1986FDIC #32,512

Outstanding Up

Current rating · Exam: November 1995

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At a Glance

Community Lending (CRA)

Outstanding

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

Institution Profile

FDIC BankFind

Address

9400 South Dadeland Boulevard, Suite 620, MIAMI, FL

County

Miami-Dade County

Established

December 10, 1986

Total Assets

$101M(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 6, 1995

Exam Type

Assessment Factor

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 30 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)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	4,600	68.11%	7.37%
2020	5,515	63.05%	7.51%
2019	3,184	66.46%	9.27%
2018	2,668	72.26%	7.65%

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
Nov 1995	Outstanding	Assessment Factor
Sep 1993	Satisfactory	Assessment Factor
Nov 1992	Needs to Improve	Assessment Factor

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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