This institution is no longer active

Operations ceased on April 1, 2025. CRA examination history below reflects the period it was active.

1ST UNITED BANK

FARIBAULT, MN · Supervised by FDIC

Est. 1920FDIC #31,249RSSD: FDIC-31249

Part ofMIDCOUNTRY ACQUISITION CORP→ View all charters

Satisfactory Down

Current rating · Exam: June 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.06%

Institution Profile

FDIC BankFind

Address

430 4th St Nw, FARIBAULT, MN

County

Rice County

Established

January 1, 1920

Total Assets

$167M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2020

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 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 Q1 2025Call Report / FDIC

Total Assets

$167M

Total Deposits

$148M

Net Loans

$75M

Net Income

$441K

ROA

1.06%

ROE

10.22%

Risk-Based Capital

17.90%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 2014

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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