🏦Bank Scorer

This institution is no longer active

Operations ceased on August 29, 2000. CRA examination history below reflects the period it was active.

COMMUNITY FIRST STATE BANK

DECORAH, IA · Supervised by FDIC

Est. 1906FDIC #9,292RSSD: FDIC-9292
Part ofCOMMUNITY FIRST BANKSHARES INC→ View all charters
Outstanding Same

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 1.41%

Institution Profile

FDIC BankFind

Address

120 West Water Street, DECORAH, IA

County

Winneshiek County

Established

January 1, 1906

Total Assets

$172M(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 Q2 2000Call Report / FDIC

Total Assets

$172M

Total Deposits

$140M

Net Loans

$116M

Net Income

$1M

ROA

1.41%

ROE

19.91%

Risk-Based Capital

11.39%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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