This institution is no longer active

Operations ceased on July 9, 2010. CRA examination history below reflects the period it was active.

IDEAL FEDERAL SAVINGS BANK

BALTIMORE, MD · Supervised by OTS

Est. 1920FDIC #32,456

Satisfactory Same

Current rating · Exam: September 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

IDEAL FEDERAL SAVINGS BANK holds a Satisfactory CRA rating (2007).

Institution Profile

FDIC BankFind

Address

1629 Druid Hill Avenue, BALTIMORE, MD

County

Baltimore City County

Established

April 4, 1920

Total Assets

$6M(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

September 4, 2007

Exam Type

Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 18 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)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	639	65.26%	12.52%
2020	1,240	69.11%	8.47%
2019	788	72.97%	12.44%
2018	691	62.66%	27.21%

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
Sep 2007	Satisfactory	Small Bank
Jun 2003	Satisfactory	Small Bank
Oct 1998	Satisfactory	Small Bank

3 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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