This institution is no longer active

Operations ceased on May 1, 2022. CRA examination history below reflects the period it was active.

RSI BANK

RAHWAY, NJ · Supervised by FDIC

Est. 1851FDIC #12,017RSSD: FDIC-12017

Part ofRSI BCORP MHC→ View all charters

Satisfactory Same

Current rating · Exam: September 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.48%

Is this bank safe?

RSI BANK holds a Satisfactory CRA rating (2020), meets basic financial requirements (ROA +0.48%).

Institution Profile

FDIC BankFind

Address

1500 Irving Street, RAHWAY, NJ

County

Union County

Established

March 12, 1851

Total Assets

$621M(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

September 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 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 2022Call Report / FDIC

Total Assets

$621M

Total Deposits

$511M

Net Loans

$339M

Net Income

$748K

ROA

0.48%

Above avg for Small banks. Peer avg: 0.44%

ROE

3.24%

Risk-Based Capital

0.00%

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).

ROA0.48%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate19.35%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	62	58.06%	19.35%
2021	282	63.83%	10.64%
2020	297	61.62%	10.10%
2019	166	55.42%	11.45%
2018	190	56.84%	12.11%

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
Sep 2020	Satisfactory	Intermediate Small Bank
Sep 2017	Satisfactory	Intermediate Small Bank
Sep 2014	Satisfactory	Intermediate Small Bank

8 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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