🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 2000. CRA examination history below reflects the period it was active.

CONSOLIDATED STATE BANK

HILL CITY, KS · Supervised by FDIC

Est. 1932FDIC #14,745RSSD: FDIC-14745
Part ofCONSOLIDATED INSURANCE INC→ View all charters
Outstanding Same

Current rating · Exam: January 1999

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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 1.70%

Institution Profile

FDIC BankFind

Address

101 East Cherry Street, HILL CITY, KS

County

Graham County

Established

June 24, 1932

Total Assets

$39M(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

January 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 1999Call Report / FDIC

Total Assets

$39M

Total Deposits

$35M

Net Loans

$30M

Net Income

$698K

ROA

1.70%

ROE

20.38%

Risk-Based Capital

12.84%

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 Rate15.10%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202292768.28%15.10%
20195961.02%35.59%
20184575.56%22.22%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

4 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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