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This institution is no longer active

Operations ceased on November 1, 2012. CRA examination history below reflects the period it was active.

DAKOTA HERITAGE STATE BANK

CHANCELLOR, SD · Supervised by FDIC

Est. 1904FDIC #12,643RSSD: FDIC-12643
Part ofMIDWEST BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.02%

Institution Profile

FDIC BankFind

Address

221 Main St., CHANCELLOR, SD

County

Turner County

Established

May 26, 1904

Total Assets

$46M(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

July 1, 2010

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 15 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 Q3 2012Call Report / FDIC

Total Assets

$46M

Total Deposits

$38M

Net Loans

$39M

Net Income

$330K

ROA

1.02%

ROE

8.67%

Risk-Based Capital

9.92%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

6 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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