This institution is no longer active

Operations ceased on January 28, 2011. CRA examination history below reflects the period it was active.

EVERGREEN STATE BANK

STOUGHTON, WI · Supervised by FDIC

Est. 1899FDIC #5,328RSSD: FDIC-5328

Part ofFIRST NATL BCORP STOUGHTON INC→ View all charters

Satisfactory

Current rating · Exam: December 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -8.53%

Institution Profile

FDIC BankFind

Address

207 South Forrest Street, STOUGHTON, WI

County

Dane County

Established

October 1, 1899

Total Assets

$241M(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

December 5, 2008

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 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 2010Call Report / FDIC

Total Assets

$241M

Total Deposits

$194M

Net Loans

$140M

Net Income

$-22,604K

ROA

-8.53%

ROE

-188.58%

Risk-Based Capital

0.97%

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 Rate7.89%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	190	88.42%	7.89%
2023	234	87.18%	2.99%
2022	782	72.51%	13.04%
2021	1,053	73.79%	10.73%
2020	1,127	69.3%	11.45%
2019	318	85.53%	7.86%
2018	353	83.57%	6.52%

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

This is the only examination on record for this bank.

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