This institution is no longer active

Operations ceased on April 24, 1998. CRA examination history below reflects the period it was active.

MERITRUST FEDERAL SAVINGS BANK

THIBODAUX, LA · Supervised by OTS

Est. 1963FDIC #31,395

Satisfactory Same

Current rating · Exam: July 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

MERITRUST FEDERAL SAVINGS BANK holds a Satisfactory CRA rating (1996).

Institution Profile

FDIC BankFind

Address

200 West Second Street, THIBODAUX, LA

County

Lafourche County

Established

October 14, 1963

Total Assets

$234M(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, 1996

Exam Type

Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 29 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	995	88.54%	5.33%

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 1996	Satisfactory	Small Bank
Jun 1994	Satisfactory	Assessment Factor
Jul 1992	Satisfactory	Assessment Factor

1 previous rating 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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