This institution is no longer active

Operations ceased on May 1, 2020. CRA examination history below reflects the period it was active.

FAIRPORT SAVINGS BANK

FAIRPORT, NY · Supervised by FDIC

Est. 1888FDIC #30,056RSSD: FDIC-30056

Part ofFSB BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: August 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.43%

Is this bank safe?

FAIRPORT SAVINGS BANK holds a Satisfactory CRA rating (2019), shows financial metrics that merit closer review (ROA -0.43%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

45 South Main St, FAIRPORT, NY

County

Monroe County

Established

January 1, 1888

Total Assets

$319M(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

August 1, 2019

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 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 2020Call Report / FDIC

Total Assets

$319M

Total Deposits

$234M

Net Loans

$275M

Net Income

$-344K

ROA

-0.43%

Below avg for Small banks. Peer avg: 0.44%

ROE

-4.64%

Risk-Based Capital

0.00%

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).

ROA-0.43%Peer avg: 0.44%▼ Below avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.44%Peer avg: 6.90%▲ More than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2020	121	80.99%	7.44%
2019	410	81.71%	8.54%
2018	645	82.48%	6.20%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Aug 2019	Satisfactory	Small Bank
Jun 2013	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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