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This institution is no longer active

Operations ceased on June 1, 1997. CRA examination history below reflects the period it was active.

BANK MIDWEST

OKOBOJI, IA · Supervised by FDIC

Est. 1927FDIC #14,570RSSD: FDIC-14570
Part ofGOODENOW BCORP→ View all charters
Outstanding Up

Current rating · Exam: June 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.16%

Institution Profile

FDIC BankFind

Address

1102 Sanborn Avenue, OKOBOJI, IA

County

Dickinson County

Established

June 27, 1927

Total Assets

$85M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 1995

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 Q1 1997Call Report / FDIC

Total Assets

$85M

Total Deposits

$75M

Net Loans

$65M

Net Income

$35K

ROA

0.16%

ROE

1.59%

Risk-Based Capital

14.59%

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 Rate6.72%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413476.87%6.72%
202317770.06%14.12%
202234176.54%8.21%
202161274.67%7.03%
202080666.25%5.83%
201928970.59%10.38%
201829873.49%12.08%

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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