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This institution is no longer active

Operations ceased on January 3, 2023. CRA examination history below reflects the period it was active.

COMMERCIAL BANK OF OAK GROVE, MO.

OAK GROVE, MO · Supervised by FDIC

Est. 1907FDIC #9,811RSSD: FDIC-9811
Part ofCOUNTRY AGENCIES&INVESTMENTS→ View all charters
Satisfactory Same

Current rating · Exam: February 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.78%

Institution Profile

FDIC BankFind

Address

1114 S Broadway, OAK GROVE, MO

County

Jackson County

Established

January 1, 1907

Total Assets

$114M(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

February 1, 2019

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 2022Call Report / FDIC

Total Assets

$114M

Total Deposits

$100M

Net Loans

$62M

Net Income

$888K

ROA

0.78%

ROE

7.01%

Risk-Based Capital

0.00%

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 Rate9.43%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20195386.79%9.43%
20182382.61%4.35%

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

7 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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