This institution is no longer active

Operations ceased on January 6, 1995. CRA examination history below reflects the period it was active.

LINCOLN SAVINGS BANK

CARNEGIE, PA · Supervised by FDIC

Est. 1970FDIC #20,272RSSD: FDIC-20272

Satisfactory Same

Current rating · Exam: July 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.29%

Institution Profile

FDIC BankFind

Address

1 West Mall Plaza, CARNEGIE, PA

County

Allegheny County

Established

October 8, 1970

Total Assets

$343M(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

July 1, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q4 1994Call Report / FDIC

Total Assets

$343M

Total Deposits

$160M

Net Loans

$118M

Net Income

$836K

ROA

0.29%

Below avg for Small banks. Peer avg: 0.44%

ROE

3.03%

Risk-Based Capital

22.35%

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).

ROA0.29%Peer avg: 0.44%▼ Below avg

Risk-Based Capital22.35%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate2.74%Peer avg: 7.63%▲ Above avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	402	87.56%	2.74%
2020	3,135	74.07%	3.70%
2019	1,851	78.44%	3.51%
2018	1,496	77.54%	5.15%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 1994	Satisfactory	Not Reported
Sep 1993	Satisfactory	Not Reported
Nov 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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