This institution is no longer active

Operations ceased on July 21, 2008. CRA examination history below reflects the period it was active.

COUNTRYSIDE BANK

REPUBLIC, MO · Supervised by FDIC

Est. 1998FDIC #34,743RSSD: FDIC-34743

Part ofCOUNTRYSIDE BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: May 2005

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.25%

Institution Profile

FDIC BankFind

Address

520 East Elm Avenue, REPUBLIC, MO

County

Greene County

Established

June 15, 1998

Total Assets

$97M(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

May 1, 2005

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 21 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 2008Call Report / FDIC

Total Assets

$97M

Total Deposits

$87M

Net Loans

$68M

Net Income

$-613K

ROA

-1.25%

ROE

-17.50%

Risk-Based Capital

10.70%

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 Rate7.81%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	128	73.44%	7.81%
2018	272	86.03%	5.51%

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 2 exams

1 previous rating locked — dating back to 2000

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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