This institution is no longer active

Operations ceased on July 12, 2019. CRA examination history below reflects the period it was active.

PARTNERSHIP BANK

CEDARBURG, WI · Supervised by FDIC

Est. 1894FDIC #10,007RSSD: FDIC-10007

Part ofPARTNERSHIP CMTY BANCSHARES→ View all charters

Satisfactory Same

Current rating · Exam: December 2015

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.29%

Is this bank safe?

PARTNERSHIP BANK holds a Satisfactory CRA rating (2015), meets basic financial requirements (ROA +0.29%).

Institution Profile

FDIC BankFind

Address

W61 N529 Washington Avenue, CEDARBURG, WI

County

Ozaukee County

Established

March 1, 1894

Total Assets

$310M(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

December 1, 2015

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 Q2 2019Call Report / FDIC

Total Assets

$310M

Total Deposits

$270M

Net Loans

$277M

Net Income

$455K

ROA

0.29%

Below avg for Small banks. Peer avg: 0.44%

ROE

3.21%

Risk-Based Capital

11.67%

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 Capital11.67%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate8.62%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	116	82.76%	8.62%
2018	311	72.99%	13.18%

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
Dec 2015	Satisfactory	Small Bank
Nov 2009	Satisfactory	Small Bank
Feb 2004	Satisfactory	Small Bank

4 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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