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This institution is no longer active

Operations ceased on November 20, 1998. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF HIGGINSVILLE/ODESSA

HIGGINSVILLE, MO · Supervised by FDIC

Est. 1979FDIC #22,842RSSD: FDIC-22842
Part ofCENTRAL BANCOMPANY INC→ View all charters
Outstanding Same

Current rating · Exam: February 1997

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.35%

Institution Profile

FDIC BankFind

Address

401-415 Fairground Avenue, HIGGINSVILLE, MO

County

Lafayette County

Established

April 11, 1979

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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 1998Call Report / FDIC

Total Assets

$37M

Total Deposits

$31M

Net Loans

$23M

Net Income

$93K

ROA

0.35%

ROE

3.63%

Risk-Based Capital

12.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 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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