🏦Bank Scorer

This institution is no longer active

Operations ceased on February 23, 2001. CRA examination history below reflects the period it was active.

THE LOWER SALEM COMMERCIAL BANK

LOWER SALEM, OH · Supervised by FDIC

Est. 1911FDIC #9,135RSSD: FDIC-9135
Outstanding Up

Current rating · Exam: January 2000

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -0.30%

Is this bank safe?

THE LOWER SALEM COMMERCIAL BANK earned an Outstanding CRA rating (2000), shows financial metrics that merit closer review (ROA -0.30%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

Main Street, LOWER SALEM, OH

County

Washington County

Established

November 23, 1911

Total Assets

$23M(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

January 1, 2000

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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 Q4 2000Call Report / FDIC

Total Assets

$23M

Total Deposits

$18M

Net Loans

$18M

Net Income

$-76K

ROA

-0.30%

Below avg for Small banks. Peer avg: 0.44%

ROE

-3.44%

Risk-Based Capital

16.52%

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).

ROA-0.30%Peer avg: 0.44%▼ Below avg
Risk-Based Capital16.52%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jan 2000OutstandingSmall Bank
Mar 1997SatisfactorySmall Bank
May 1994OutstandingNot Reported

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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