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This institution is no longer active

Operations ceased on January 20, 2015. CRA examination history below reflects the period it was active.

FARMERS STATE BANK OF CROSBY, N. D.

CROSBY, ND · Supervised by FDIC

Est. 1919FDIC #14,353RSSD: FDIC-14353
Part ofHANISCH BANKSHARES LTD→ View all charters
Substantial Noncompliance Down

Current rating · Exam: March 2015

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At a Glance

Community Lending (CRA)

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Financial Health

Adequate

ROA 0.13%

Institution Profile

FDIC BankFind

Address

111 E Central Ave, CROSBY, ND

County

Divide County

Established

June 7, 1919

Total Assets

$67M(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

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Exam Date

March 1, 2015

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 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 2014Call Report / FDIC

Total Assets

$67M

Total Deposits

$61M

Net Loans

$4M

Net Income

$92K

ROA

0.13%

ROE

1.49%

Risk-Based Capital

67.74%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

8 previous ratings 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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