This institution is no longer active

Operations ceased on October 6, 2006. CRA examination history below reflects the period it was active.

OSWEGO COUNTY SAVINGS BANK

OSWEGO, NY · Supervised by FDIC

Est. 1870FDIC #15,978RSSD: FDIC-15978

Part ofBRIDGE STREET FINANCIAL INC→ View all charters

Satisfactory Same

Current rating · Exam: April 1999

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.29%

Is this bank safe?

OSWEGO COUNTY SAVINGS BANK holds a Satisfactory CRA rating (1999), meets basic financial requirements (ROA +0.29%).

Institution Profile

FDIC BankFind

Address

300 State Route 104, OSWEGO, NY

County

Oswego County

Established

January 1, 1870

Total Assets

$219M(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

April 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 Q3 2006Call Report / FDIC

Total Assets

$219M

Total Deposits

$173M

Net Loans

$149M

Net Income

$480K

ROA

0.29%

Below avg for Small banks. Peer avg: 0.44%

ROE

3.47%

Risk-Based Capital

13.36%

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).

ROA0.29%Peer avg: 0.44%▼ Below avg

Risk-Based Capital13.36%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate8.44%Peer avg: 6.90%▲ More than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	154	65.58%	8.44%
2021	87	74.71%	6.90%
2020	54	90.74%	5.56%
2019	58	91.38%	3.45%
2018	29	93.1%	6.90%

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
Apr 1999	Satisfactory	Small Bank
Sep 1996	Satisfactory	Small Bank
Nov 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/oswego-county-savings-bank"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: