🏦Bank Scorer

This institution is no longer active

Operations ceased on June 1, 2016. CRA examination history below reflects the period it was active.

FARMERS STATE BANK

MENTONE, IN · Supervised by FDIC

Est. 1892FDIC #9,290RSSD: FDIC-9290
Part ofKOSCIUSKO FINANCIAL INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2015

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.08%

Institution Profile

FDIC BankFind

Address

102 East Main Street, MENTONE, IN

County

Kosciusko County

Established

January 1, 1892

Total Assets

$147M(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

September 1, 2015

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 10 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 Q1 2016Call Report / FDIC

Total Assets

$147M

Total Deposits

$121M

Net Loans

$100M

Net Income

$399K

ROA

1.08%

ROE

10.39%

Risk-Based Capital

15.44%

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 Rate9.06%Peer avg: 7.63%▼ Below avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,06577.82%9.06%
20231,92977.6%9.38%
20222,93380.6%6.34%
20213,32978.61%6.79%
20204,06180.3%7.07%
20192,86181.65%7.76%
20182,35779.04%9.16%

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

6 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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