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This institution is no longer active

Operations ceased on November 1, 2000. CRA examination history below reflects the period it was active.

FIRST AMERICAN BANK OF DETROIT LAKES

DETROIT LAKES, MN · Supervised by FDIC

Est. 1919FDIC #12,919RSSD: FDIC-12919
Part ofOTTO BREMER FOUNDATION→ View all charters
Satisfactory Same

Current rating · Exam: December 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.20%

Institution Profile

FDIC BankFind

Address

115 East Holmes Street, DETROIT LAKES, MN

County

Becker County

Established

January 1, 1919

Total Assets

$153M(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 1, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 2000Call Report / FDIC

Total Assets

$153M

Total Deposits

$115M

Net Loans

$108M

Net Income

$1M

ROA

1.20%

ROE

14.87%

Risk-Based Capital

12.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 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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