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This institution is no longer active

Operations ceased on July 9, 2016. CRA examination history below reflects the period it was active.

ALTURA STATE BANK

ALTURA, MN · Supervised by FDIC

Est. 1910FDIC #10,173RSSD: FDIC-10173
Part ofSOUTHEAST MN BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.70%

Institution Profile

FDIC BankFind

Address

411 Main Street, N.W., ALTURA, MN

County

Winona County

Established

December 10, 1910

Total Assets

$48M(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

March 1, 2013

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 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 2016Call Report / FDIC

Total Assets

$48M

Total Deposits

$40M

Net Loans

$29M

Net Income

$169K

ROA

0.70%

ROE

4.42%

Risk-Based Capital

23.40%

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 Rate18.20%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202257768.63%18.20%
202196478.11%8.92%
20201,00368.99%7.08%
201973068.08%14.11%
201850961.1%21.41%

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

5 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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