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This institution is no longer active

Operations ceased on January 1, 1999. CRA examination history below reflects the period it was active.

FIRST BANK AND TRUST COMPANY

ROCK RAPIDS, IA · Supervised by FDIC

Est. 1932FDIC #15,425RSSD: FDIC-15425
Part ofROCK RIVERS BCORP→ View all charters
Outstanding Same

Current rating · Exam: September 1998

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.01%

Institution Profile

FDIC BankFind

Address

301 First Avenue, ROCK RAPIDS, IA

County

Lyon County

Established

January 16, 1932

Total Assets

$63M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 1998Call Report / FDIC

Total Assets

$63M

Total Deposits

$56M

Net Loans

$42M

Net Income

$601K

ROA

1.01%

ROE

12.62%

Risk-Based Capital

11.29%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 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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