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This institution is no longer active

Operations ceased on August 12, 2022. CRA examination history below reflects the period it was active.

DENMARK STATE BANK

DENMARK, WI · Supervised by FDIC

Est. 1909FDIC #13,240RSSD: FDIC-13240
Part ofDENMARK BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

103 Main St, DENMARK, WI

County

Brown County

Established

March 21, 1909

Total Assets

$680M(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

October 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 2022Call Report / FDIC

Total Assets

$680M

Total Deposits

$616M

Net Loans

$458M

Net Income

$3M

ROA

0.80%

ROE

8.90%

Risk-Based Capital

14.41%

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 Rate1.41%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202214292.25%1.41%
202154491.91%2.21%
202069788.67%2.73%
201925585.88%4.31%
201820088.5%7.00%

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

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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