🏦Bank Scorer

This institution is no longer active

Operations ceased on April 1, 1994. CRA examination history below reflects the period it was active.

CRESTWOOD STATE BANK

CRESTWOOD, KY · Supervised by FDIC

Est. 1893FDIC #17,152RSSD: FDIC-17152
Part ofNATIONAL CITY CORP→ View all charters
Outstanding Up

Current rating · Exam: January 1993

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.69%

Institution Profile

FDIC BankFind

Address

Highway 146, CRESTWOOD, KY

County

Oldham County

Established

August 14, 1893

Total Assets

$92M(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

January 1, 1993

Exam Type

Not Reported

Regulator

FDIC
⚠️This exam is 33 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 1994Call Report / FDIC

Total Assets

$92M

Total Deposits

$77M

Net Loans

$78M

Net Income

$160K

ROA

0.69%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.00%

Risk-Based Capital

12.82%

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).

ROA0.69%Peer avg: 0.44%▲ Above avg
Risk-Based Capital12.82%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

Improving

Based on last 2 exams

Exam DateRatingExam Type
Jan 1993OutstandingNot Reported
Jun 1990SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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