🏦Bank Scorer

This institution is no longer active

Operations ceased on May 18, 2025. CRA examination history below reflects the period it was active.

DISCOVER BANK

GREENWOOD, DE · Supervised by FDIC

Est. 1911FDIC #5,649RSSD: FDIC-5649
Part ofDISCOVER FINANCIAL SERVICES→ View all charters
Satisfactory Down

Current rating · Exam: October 2022

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

54

0.37 per $B assets · filed with CFPB

Financial Health

Strong

ROA 2.90%

Institution Profile

FDIC BankFind

Address

502 E Market St, GREENWOOD, DE

County

Sussex County

Established

August 30, 1911

Total Assets

$145.4B(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

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2022

Exam Type

Strategic Plan

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2025Call Report / FDIC

Total Assets

$145.4B

Total Deposits

$114.3B

Net Loans

$109.3B

Net Income

$1.1B

ROA

2.90%

Above avg for Large banks. Peer avg: 1.37%

ROE

29.83%

Risk-Based Capital

14.11%

Below avg for Large banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Large banks

Compared to the peer-bank Large peer group (same asset tier).

ROA2.90%Peer avg: 1.37%▲ Above avg
Risk-Based Capital14.11%Peer avg: 15.74%▼ Below avg
Complaints / $B0.37Peer avg: 0.83▲ Above avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
2024216,14616.05%52.06%
2023219,68914.03%46.97%
2022163,10112.2%46.98%
2021119,85911.8%48.49%
2020113,04311.01%56.14%
2019107,71410.86%73.24%
201870,86010.3%65.29%

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

Consumer Complaints

CFPB · through Mar 2026

Last 12 Months

54

All Time

796

Monetary Relief

33.8%

Untimely Response

0%

Most common complaint type: Credit card or prepaid card· 0.37 per $B assets (12m)

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
April 202400
May 202400
June 202400
July 202400
August 202400
September 202400
October 202431
November 202400
December 202400
January 202500
February 202500
March 202500
April 202520
May 202500
June 202500
July 202500
August 202510
September 202571
October 2025104
November 202562
December 2025142
January 202652
February 202600
March 2026112

Data through Mar 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam DateRatingExam Type
Oct 2022SatisfactoryStrategic Plan
Jun 2020OutstandingStrategic Plan
Mar 2018OutstandingStrategic Plan

8 previous ratings locked — back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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