This institution is no longer active

Operations ceased on April 26, 2000. CRA examination history below reflects the period it was active.

FIRST COUNTY BANK

CHARDON, OH · Supervised by FDIC

Est. 1988FDIC #27,230RSSD: FDIC-27230

Part ofF N B CORP→ View all charters

Satisfactory Down

Current rating · Exam: November 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.80%

Is this bank safe?

FIRST COUNTY BANK holds a Satisfactory CRA rating (1997), meets basic financial requirements (ROA +0.80%).

Institution Profile

FDIC BankFind

Address

540 Water Street, CHARDON, OH

County

Geauga County

Established

May 2, 1988

Total Assets

$64M(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

November 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️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 Q1 2000Call Report / FDIC

Total Assets

$64M

Total Deposits

$58M

Net Loans

$48M

Net Income

$126K

ROA

0.80%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.04%

Risk-Based Capital

10.39%

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).

ROA0.80%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.39%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate17.71%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
2024	96	57.29%	17.71%
2020	496	71.77%	15.32%
2019	478	80.96%	9.83%
2018	404	80.45%	10.15%

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
Nov 1997	Satisfactory	Small Bank
Jul 1994	Outstanding	Not Reported
Jun 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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