Small Institutions

Small Institutions | CRA Ratings Matrix

    CHARACTERISTIC   OUTSTANDING   SATISFACTORY   NEEDS TO IMPROVE   SUBSTANTIAL NONCOMPLIANCE   Loan-to-deposit ratio   The loan-to-deposit ratio is more than reasonable (considering seasonal variations and taking into account lending related activities) given the institution’s size, financial condition, and assessment area credit needs.   The loan-to-deposit ratio is reasonable (considering seasonal variations…