This institution is no longer active

Operations ceased on September 20, 2002. CRA examination history below reflects the period it was active.

THE PAVILION STATE BANK

LE ROY, NY · Supervised by FDIC

Est. 1928FDIC #8,915RSSD: FDIC-8915

Part ofFINANCIAL INSTITUTIONS INC→ View all charters

Outstanding Same

Current rating · Exam: January 1999

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.40%

Is this bank safe?

THE PAVILION STATE BANK earned an Outstanding CRA rating (1999), is financially strong (ROA +1.40%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

124 West Main Street, LE ROY, NY

County

Genesee County

Established

November 28, 1928

Total Assets

$185M(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, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 Q2 2002Call Report / FDIC

Total Assets

$185M

Total Deposits

$156M

Net Loans

$130M

Net Income

$1M

ROA

1.40%

Above avg for Small banks. Peer avg: 0.44%

ROE

19.93%

Risk-Based Capital

10.69%

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).

ROA1.40%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.69%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jan 1999	Outstanding	Small Bank
Sep 1995	Outstanding	Not Reported
Nov 1993	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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