This institution is no longer active

Operations ceased on February 29, 2020. CRA examination history below reflects the period it was active.

MADISON BANK OF MARYLAND

FOREST HILL, MD · Supervised by OTS

Est. 1904FDIC #32,331

Outstanding Up

Current rating · Exam: July 2008

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Is this bank safe?

MADISON BANK OF MARYLAND earned an Outstanding CRA rating (2008).

Institution Profile

FDIC BankFind

Address

1920 Rock Spring Road, FOREST HILL, MD

County

Harford County

Established

May 4, 1904

Total Assets

$139M(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

July 14, 2008

Exam Type

Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 17 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
2019	26	65.38%	15.38%
2018	68	67.65%	10.29%

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
Jul 2008	Outstanding	Small Bank
Nov 2002	Satisfactory	Small Bank
Mar 1998	Satisfactory	Small Bank

3 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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