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This institution is no longer active

Operations ceased on October 1, 2021. CRA examination history below reflects the period it was active.

FIRST CENTRAL BANK

WARRENSBURG, MO · Supervised by FDIC

Est. 1984FDIC #25,268RSSD: FDIC-25268
Part ofCENTRAL BANCOMPANY INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.17%

Institution Profile

FDIC BankFind

Address

401 North Maguire Street, WARRENSBURG, MO

County

Johnson County

Established

July 16, 1984

Total Assets

$359M(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 2, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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 2021Call Report / FDIC

Total Assets

$359M

Total Deposits

$309M

Net Loans

$183M

Net Income

$3M

ROA

1.17%

ROE

10.19%

Risk-Based Capital

19.16%

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 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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