🏦Bank Scorer

SPRING BANK

BRONX, NY · Supervised by FDIC

Est. 2007FDIC #58,668RSSD: FDIC-58668
Part ofCHECKSPRING COMMUNITY CORP→ View all charters
Outstanding Same

Current rating · Exam: February 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.44%

Institution Profile

FDIC BankFind

Address

69 E 167th St, BRONX, NY

County

Bronx County

Established

October 26, 2007

Total Assets

$647M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$647M

Total Deposits

$558M

Net Loans

$461M

Net Income

$2M

ROA

1.44%

ROE

10.15%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.35%Peer avg: 7.63%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$430M

1-Year Change

+1

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244680.43%4.35%
20233287.5%6.25%
20204887.5%4.17%
20194276.19%2.38%
20185592.73%1.82%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2010

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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