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This institution is no longer active

Operations ceased on September 25, 2017. CRA examination history below reflects the period it was active.

FIRST STATE BANK

HAWARDEN, IA · Supervised by FDIC

Est. 1934FDIC #13,680RSSD: FDIC-13680
Part ofFIRST STATE ASSOCIATES INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2015

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.93%

Institution Profile

FDIC BankFind

Address

722 Central Avenue, HAWARDEN, IA

County

Sioux County

Established

January 1, 1934

Total Assets

$47M(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

June 1, 2015

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 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 Q2 2017Call Report / FDIC

Total Assets

$47M

Total Deposits

$35M

Net Loans

$38M

Net Income

$213K

ROA

0.93%

ROE

9.46%

Risk-Based Capital

12.80%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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