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This institution is no longer active

Operations ceased on July 1, 2016. CRA examination history below reflects the period it was active.

FIRST STATE BANK

ARMOUR, SD · Supervised by FDIC

Est. 1906FDIC #3,983RSSD: FDIC-3983
Part ofLEWIS BANSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

703 Main Street, ARMOUR, SD

County

Douglas County

Established

January 1, 1906

Total Assets

$113M(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, 2013

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 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 Q2 2016Call Report / FDIC

Total Assets

$113M

Total Deposits

$104M

Net Loans

$73M

Net Income

$452K

ROA

0.80%

ROE

10.69%

Risk-Based Capital

13.21%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 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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