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This institution is no longer active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

SPOONER, WI · Supervised by FDIC

Est. 1903FDIC #9,527RSSD: FDIC-9527
Part ofCOMMUNITY FIRST BANKSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: February 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 1.75%

Institution Profile

FDIC BankFind

Address

116-118 Elm Street, SPOONER, WI

County

Washburn County

Established

August 11, 1903

Total Assets

$121M(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

February 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

$121M

Total Deposits

$100M

Net Loans

$85M

Net Income

$1M

ROA

1.75%

ROE

20.40%

Risk-Based Capital

11.56%

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 Rate7.02%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243,30779.26%7.02%
20233,20576.91%6.15%
202218472.83%9.24%
202132072.5%12.19%
202013756.2%18.25%
201925068%5.60%

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

2 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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