This institution is no longer active

Operations ceased on July 16, 2010. CRA examination history below reflects the period it was active.

MAINSTREET SAVINGS BANK, FSB

HASTINGS, MI · Supervised by OTS

Est. 1924FDIC #28,136

Satisfactory Same

Current rating · Exam: September 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

MAINSTREET SAVINGS BANK, FSB holds a Satisfactory CRA rating (2004).

Institution Profile

FDIC BankFind

Address

629 West State Street, HASTINGS, MI

County

Barry County

Established

January 1, 1924

Total Assets

$97M(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 20, 2004

Exam Type

Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 21 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
2018	800	66%	18.13%

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 2004	Satisfactory	Small Bank
Oct 1999	Satisfactory	Small Bank
Jul 1997	Satisfactory	Small Bank

2 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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