🏦Bank Scorer

CEDAR VALLEY BANK & TRUST

LA PORTE CITY, IA · Supervised by FDIC

Est. 1906FDIC #14,694RSSD: FDIC-14694
Part ofD&D BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.23%

Institution Profile

FDIC BankFind

Address

321 Main St, LA PORTE CITY, IA

County

Black Hawk County

Established

July 6, 1906

Total Assets

$123M(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

May 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$123M

Total Deposits

$112M

Net Loans

$112M

Net Income

$375K

ROA

1.23%

ROE

13.74%

Risk-Based Capital

13.07%

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 Rate3.03%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$96M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249989.9%3.03%
20239488.3%4.26%
20197090%0.00%
20186982.61%7.25%

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

8 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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