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This institution is no longer active

Operations ceased on November 22, 2022. CRA examination history below reflects the period it was active.

FARMERS & STOCKMENS BANK

CLAYTON, NM · Supervised by FDIC

Est. 1920FDIC #13,625RSSD: FDIC-13625
Part ofCENTRAL BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.13%

Institution Profile

FDIC BankFind

Address

22 Maple St, CLAYTON, NM

County

Union County

Established

July 6, 1920

Total Assets

$572M(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

May 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 2022Call Report / FDIC

Total Assets

$572M

Total Deposits

$508M

Net Loans

$366M

Net Income

$5M

ROA

1.13%

ROE

12.96%

Risk-Based Capital

13.18%

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 Rate2.06%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
202224374.9%2.06%
202165183.72%2.00%
202097684.53%1.23%
201942279.62%0.71%
201828185.05%1.07%

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

8 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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