This institution is no longer active

Operations ceased on January 1, 1994. CRA examination history below reflects the period it was active.

FARMERS AND MERCHANTS STATE BANK OF COOK, INCORPORATED

COOK, MN · Supervised by FDIC

Est. 1917FDIC #10,183RSSD: FDIC-10183

Part ofCHISHOLM BANCSHARES INC→ View all charters

Needs to Improve Down

Current rating · Exam: October 1993

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.26%

Institution Profile

FDIC BankFind

Address

Main Street, COOK, MN

County

St. Louis County

Established

September 9, 1917

Total Assets

$10M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

October 9, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 1993Call Report / FDIC

Total Assets

$10M

Total Deposits

$9M

Net Loans

$4M

Net Income

$24K

ROA

0.26%

ROE

2.16%

Risk-Based Capital

25.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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