This institution is no longer active

Operations ceased on October 9, 1998. CRA examination history below reflects the period it was active.

CLINTON STATE BANK

CLINTON, AR · Supervised by FDIC

Est. 1946FDIC #16,520RSSD: FDIC-16520

Part ofREGIONS FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: May 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.69%

Institution Profile

FDIC BankFind

Address

202 South Court Street, CLINTON, AR

County

Van Buren County

Established

October 1, 1946

Total Assets

$70M(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, 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 1998Call Report / FDIC

Total Assets

$70M

Total Deposits

$64M

Net Loans

$38M

Net Income

$890K

ROA

1.69%

ROE

23.18%

Risk-Based Capital

14.68%

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 Rate9.03%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	144	72.92%	9.03%
2023	240	74.17%	7.08%
2022	330	72.42%	5.15%
2021	308	78.57%	7.79%
2020	318	74.84%	5.03%
2019	270	74.07%	6.67%
2018	223	74.44%	7.17%

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 2 exams

1 previous rating locked — dating back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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