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This institution is no longer active

Operations ceased on December 12, 2015. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF FERTILE

FERTILE, MN · Supervised by FDIC

Est. 1887FDIC #10,186RSSD: FDIC-10186
Part ofFERTILE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.07%

Institution Profile

FDIC BankFind

Address

114 Mill Street North, FERTILE, MN

County

Polk County

Established

December 12, 1887

Total Assets

$37M(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

May 1, 2011

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 15 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 2015Call Report / FDIC

Total Assets

$37M

Total Deposits

$31M

Net Loans

$14M

Net Income

$19K

ROA

0.07%

ROE

0.50%

Risk-Based Capital

30.53%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 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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