🏦Bank Scorer

DENVER SAVINGS BANK

DENVER, IA · Supervised by FDIC

Est. 1902FDIC #12,857RSSD: FDIC-12857
Part ofPSB CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.67%

Institution Profile

FDIC BankFind

Address

121 S State St, DENVER, IA

County

Bremer County

Established

January 1, 1902

Total Assets

$253M(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

August 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$253M

Total Deposits

$190M

Net Loans

$173M

Net Income

$428K

ROA

0.67%

ROE

6.78%

Risk-Based Capital

0.00%

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 Rate5.56%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$184M

1-Year Change

+1

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245487.04%5.56%
20237390.41%5.48%
20228381.93%3.61%
202111174.77%12.61%
202014987.25%5.37%
201910497.12%0.00%
20189783.51%3.09%

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

9 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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