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This institution is no longer active

Operations ceased on January 3, 1995. CRA examination history below reflects the period it was active.

COMMUNITY FIRST STATE BANK OF PAYNESVILLE

PAYNESVILLE, MN · Supervised by FDIC

Est. 1892FDIC #15,447RSSD: FDIC-15447
Part ofCOMMUNITY FIRST BANKSHARES INC→ View all charters
Outstanding Up

Current rating · Exam: March 1994

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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 1.49%

Institution Profile

FDIC BankFind

Address

201 West James Street, PAYNESVILLE, MN

County

Stearns County

Established

October 6, 1892

Total Assets

$61M(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

March 1, 1994

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 32 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 1994Call Report / FDIC

Total Assets

$61M

Total Deposits

$52M

Net Loans

$39M

Net Income

$849K

ROA

1.49%

ROE

16.89%

Risk-Based Capital

12.78%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 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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