🏦Bank Scorer

FIRST STATE BANK OF DECATUR

DECATUR, MI · Supervised by FDIC

Est. 1870FDIC #12,893RSSD: FDIC-12893
Part ofGTSB FINANCIAL INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.35%

Institution Profile

FDIC BankFind

Address

124 S Phelps St, DECATUR, MI

County

Van Buren County

Established

January 1, 1870

Total Assets

$83M(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, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 Q1 2026Call Report / FDIC

Total Assets

$83M

Total Deposits

$67M

Net Loans

$51M

Net Income

$-277K

ROA

-1.35%

ROE

-7.23%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate5.88%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$46M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243494.12%5.88%
202330100%0.00%
201951100%0.00%
20184197.56%2.44%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 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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