🏦Bank Scorer

This institution is no longer active

Operations ceased on August 15, 2009. CRA examination history below reflects the period it was active.

THE PEOPLES BANK OF ELKTON

ELKTON, MD · Supervised by FDIC

Est. 1923FDIC #9,700RSSD: FDIC-9700
Part ofFULTON FINANCIAL CORP→ View all charters
Outstanding Up

Current rating · Exam: July 2003

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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 1.48%

Is this bank safe?

THE PEOPLES BANK OF ELKTON earned an Outstanding CRA rating (2003), is financially strong (ROA +1.48%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

130 North Street, ELKTON, MD

County

Cecil County

Established

January 1, 1923

Total Assets

$148M(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

July 1, 2003

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 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 2009Call Report / FDIC

Total Assets

$148M

Total Deposits

$131M

Net Loans

$79M

Net Income

$1M

ROA

1.48%

Above avg for Small banks. Peer avg: 0.44%

ROE

23.50%

Risk-Based Capital

11.63%

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).

ROA1.48%Peer avg: 0.44%▲ Above avg
Risk-Based Capital11.63%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
Jul 2003OutstandingLarge Bank
Apr 1998SatisfactorySmall Bank
Feb 1996SatisfactoryNot Reported

2 previous ratings 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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