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This institution is no longer active

Operations ceased on April 9, 2026. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF WYOMING

WYOMING, MN · Supervised by FDIC

Est. 1914FDIC #1,609RSSD: FDIC-1609
Part ofWYOMING BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2026

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.20%

Institution Profile

FDIC BankFind

Address

26741 Felton Ave, WYOMING, MN

County

Chisago County

Established

June 4, 1914

Total Assets

$238M(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

January 1, 2026

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2031(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$238M

Total Deposits

$202M

Net Loans

$63M

Net Income

$-122K

ROA

-0.20%

ROE

-1.45%

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 Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$190M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242989.66%0.00%
20232788.89%3.70%
20193984.62%10.26%
20186266.13%17.74%

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

8 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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