This institution is no longer active

Operations ceased on November 11, 2017. CRA examination history below reflects the period it was active.

PATRIOT FEDERAL BANK

CANAJOHARIE, NY · Supervised by OTS

Est. 2005FDIC #58,077

Satisfactory

Current rating · Exam: October 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

PATRIOT FEDERAL BANK holds a Satisfactory CRA rating (2009).

Institution Profile

FDIC BankFind

Address

211 Erie Boulevard, CANAJOHARIE, NY

County

Montgomery County

Established

December 2, 2005

Total Assets

$143M(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

October 22, 2009

Exam Type

Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 16 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
2023	754	60.61%	28.12%
2022	798	66.92%	21.68%
2021	1,387	68.93%	17.09%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

This is the only examination on record for this bank.

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