🏦Bank Scorer

This institution is no longer active

Operations ceased on February 29, 2008. CRA examination history below reflects the period it was active.

FIRST BANK AND TRUST

HUDSON, WI · Supervised by FDIC

Est. 1879FDIC #15,911RSSD: FDIC-15911
Part ofRICE LAKE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

944 Carmichael Road, HUDSON, WI

County

St. Croix County

Established

July 8, 1879

Total Assets

$124M(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

March 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 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 2007Call Report / FDIC

Total Assets

$124M

Total Deposits

$95M

Net Loans

$74M

Net Income

$997K

ROA

0.80%

ROE

9.48%

Risk-Based Capital

15.53%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 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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