This institution is no longer active

Operations ceased on December 3, 2004. CRA examination history below reflects the period it was active.

PROSPECT BANK

COLUMBUS, OH · Supervised by FDIC

Est. 1999FDIC #35,184RSSD: FDIC-35184

Part ofPROSPECT BANCSHARES INC→ View all charters

Satisfactory

Current rating · Exam: August 2001

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.98%

Is this bank safe?

PROSPECT BANK holds a Satisfactory CRA rating (2001), meets basic financial requirements (ROA +0.98%).

Institution Profile

FDIC BankFind

Address

1600 Bethel Road, COLUMBUS, OH

County

Franklin County

Established

August 25, 1999

Total Assets

$211M(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

August 1, 2001

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 24 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 2004Call Report / FDIC

Total Assets

$211M

Total Deposits

$176M

Net Loans

$200M

Net Income

$1M

ROA

0.98%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.75%

Risk-Based Capital

10.57%

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).

ROA0.98%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.57%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate2.88%Peer avg: 6.90%▼ Fewer than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	104	88.46%	2.88%
2020	296	85.47%	6.08%
2019	127	81.1%	11.02%
2018	129	78.29%	11.63%

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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