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This institution is no longer active

Operations ceased on November 4, 1995. CRA examination history below reflects the period it was active.

BANKWEST

SAINT FRANCIS, KS · Supervised by FDIC

Est. 1986FDIC #26,712RSSD: FDIC-26712
Part ofG S BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: February 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 0.69%

Institution Profile

FDIC BankFind

Address

121 Washington Street, SAINT FRANCIS, KS

County

Cheyenne County

Established

May 15, 1986

Total Assets

$22M(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

February 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 Q3 1995Call Report / FDIC

Total Assets

$22M

Total Deposits

$19M

Net Loans

$14M

Net Income

$114K

ROA

0.69%

ROE

7.39%

Risk-Based Capital

14.45%

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 Rate18.75%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243278.13%18.75%
20233183.87%6.45%

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 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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