🏦Bank Scorer

FIRST NATIONAL BANK, AMES, IOWA

AMES, IA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1903FDIC #1,545
Satisfactory Same

Current rating · Exam: October 2024

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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

405 5th St, AMES, IA

County

Story County

Established

May 22, 1903

Total Assets

$1.1B(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

October 7, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$939M

Net Loans

$666M

Net Income

$3M

ROA

1.17%

ROE

12.42%

Risk-Based Capital

15.83%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate10.61%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$918M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417975.98%10.61%
202319372.02%7.25%
202227875.9%8.63%
202135067.43%9.14%
202039272.7%6.89%
201927276.47%6.62%
201818764.71%12.30%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 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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