🏦Bank Scorer

This institution is no longer active

Operations ceased on April 1, 1998. CRA examination history below reflects the period it was active.

ONBANK & TRUST CO.

SYRACUSE, NY · Supervised by FDIC

Est. 1850FDIC #7,319RSSD: FDIC-7319
Part ofONBANCORP INC→ View all charters
Outstanding Up

Current rating · Exam: January 1997

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.61%

Is this bank safe?

ONBANK & TRUST CO. earned an Outstanding CRA rating (1997), meets basic financial requirements (ROA +0.61%).

Institution Profile

FDIC BankFind

Address

101 South Salina Street, SYRACUSE, NY

County

Onondaga County

Established

December 31, 1850

Total Assets

$3.5B(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

January 1, 1997

Exam Type

Small Bank

Regulator

FDIC
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)

Financial Snapshot

As of Q1 1998Call Report / FDIC

Total Assets

$3.5B

Total Deposits

$2.8B

Net Loans

$1.9B

Net Income

$6M

ROA

0.61%

Below avg for Community banks. Peer avg: 0.90%

ROE

8.14%

Risk-Based Capital

13.37%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.61%Peer avg: 0.90%▼ Below avg
Risk-Based Capital13.37%Peer avg: 12.91%▲ Above avg

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

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jan 1997OutstandingSmall Bank
Sep 1994SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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