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This institution is no longer active

Operations ceased on January 1, 2025. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF SAUK CENTRE

SAUK CENTRE, MN · Supervised by FDIC

Est. 1880FDIC #8,831RSSD: FDIC-8831
Part ofMIDCOUNTRY ACQUISITION CORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2021

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.17%

Institution Profile

FDIC BankFind

Address

423 Main St S, SAUK CENTRE, MN

County

Stearns County

Established

September 1, 1880

Total Assets

$143M(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

February 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 Q4 2024Call Report / FDIC

Total Assets

$143M

Total Deposits

$130M

Net Loans

$76M

Net Income

$266K

ROA

0.17%

ROE

2.03%

Risk-Based Capital

16.30%

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 Rate12.50%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241675%12.50%
20201994.74%5.26%
20194991.84%8.16%
20184595.56%2.22%

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 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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