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This institution is no longer active

Operations ceased on March 31, 2011. CRA examination history below reflects the period it was active.

BANK IOWA

DENISON, IA · Supervised by FDIC

Est. 1919FDIC #5,801RSSD: FDIC-5801
Part ofBANK IOWA CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.37%

Institution Profile

FDIC BankFind

Address

1108 Broadway, DENISON, IA

County

Crawford County

Established

June 6, 1919

Total Assets

$145M(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

October 1, 2003

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 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 Q4 2010Call Report / FDIC

Total Assets

$145M

Total Deposits

$109M

Net Loans

$93M

Net Income

$2M

ROA

1.37%

ROE

14.48%

Risk-Based Capital

12.22%

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 Rate10.27%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202486779.47%10.27%
20231,02478.61%7.81%
20221,13679.14%8.01%
20211,39881.9%6.72%
20201,60982.41%5.03%
201975284.57%6.78%
201859684.56%6.04%

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

5 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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