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This institution is no longer active

Operations ceased on December 18, 1995. CRA examination history below reflects the period it was active.

ALDEN STATE BANK

ALDEN, IA · Supervised by FDIC

Est. 1945FDIC #16,321RSSD: FDIC-16321
Part ofJ E COONLEY CO→ View all charters
Satisfactory Same

Current rating · Exam: September 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.46%

Institution Profile

FDIC BankFind

Address

Main Street, ALDEN, IA

County

Hardin County

Established

October 5, 1945

Total Assets

$16M(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

September 1, 1994

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 Q3 1995Call Report / FDIC

Total Assets

$16M

Total Deposits

$15M

Net Loans

$10M

Net Income

$57K

ROA

0.46%

ROE

4.64%

Risk-Based Capital

15.64%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate20.26%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202415369.93%20.26%
202318369.4%22.40%
202225477.17%15.35%
202132481.79%10.49%
202033679.76%8.93%
201937783.82%8.49%
201844186.62%7.26%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating 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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