This institution is no longer active

Operations ceased on February 18, 2017. CRA examination history below reflects the period it was active.

MBANK

GRESHAM, OR · Supervised by FDIC

Est. 1995FDIC #34,093RSSD: FDIC-34093

Part ofMERCHANTS BCORP→ View all charters

Satisfactory Same

Current rating · Exam: January 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.38%

Is this bank safe?

MBANK holds a Satisfactory CRA rating (2016), and meets basic financial requirements (ROA +0.38%).

Institution Profile

FDIC BankFind

Address

1290 Northeast Burnside Road, GRESHAM, OR

County

Multnomah County

Established

December 1, 1995

Total Assets

$153M(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

January 1, 2016

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 10 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 2016Call Report / FDIC

Total Assets

$153M

Total Deposits

$127M

Net Loans

$116M

Net Income

$621K

ROA

0.38%

Below avg for Small banks. Peer avg: 0.44%

ROE

2.90%

Risk-Based Capital

12.96%

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).

ROA0.38%Peer avg: 0.44%▼ Below avg

Risk-Based Capital12.96%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate10.38%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2020	2,168	72.69%	10.38%
2019	1,318	68.51%	13.88%
2018	1,009	67.29%	15.16%

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
Jan 2016	Satisfactory	Small Bank
Aug 2009	Satisfactory	Intermediate Small Bank
May 2006	Satisfactory	Small Bank

2 previous ratings locked — back to 1997

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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