This institution is no longer active

Operations ceased on June 5, 2003. CRA examination history below reflects the period it was active.

SECURITY FEDERAL BANK & TRUST

SAINT JOHN, IN · Supervised by OTS

Est. 1934FDIC #29,580

Satisfactory Same

Current rating · Exam: October 1997

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

SECURITY FEDERAL BANK & TRUST holds a Satisfactory CRA rating (1997).

Institution Profile

FDIC BankFind

Address

9321 Wicker Avenue, SAINT JOHN, IN

County

Lake County

Established

January 1, 1934

Total Assets

$199M(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 6, 1997

Exam Type

Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 28 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)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	311	64.63%	8.68%
2020	698	79.23%	6.02%
2019	437	76.89%	8.01%
2018	303	76.57%	7.92%

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
Oct 1997	Satisfactory	Small Bank
Mar 1996	Satisfactory	Small Bank
Oct 1993	Outstanding	Assessment Factor

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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