This institution is no longer active

Operations ceased on July 1, 2004. CRA examination history below reflects the period it was active.

FIRST NATIONAL BANK OF GAYLORD

GAYLORD, MI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1975FDIC #22,057

Outstanding Same

Current rating · Exam: November 1997

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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

501 West Main Street, GAYLORD, MI

County

Otsego County

Established

July 1, 1975

Total Assets

$155M(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, 1997

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

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)

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 1997	Outstanding	Small Bank
Oct 1995	Outstanding	Not Reported
Apr 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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