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This institution is no longer active

Operations ceased on October 19, 2012. CRA examination history below reflects the period it was active.

GARDEN CITY STATE BANK

GARDEN CITY, KS · Supervised by FDIC

Est. 2000FDIC #35,414RSSD: FDIC-35414
Part ofUNITED BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.64%

Institution Profile

FDIC BankFind

Address

1910 East Mary St, GARDEN CITY, KS

County

Finney County

Established

March 13, 2000

Total Assets

$71M(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

June 1, 2012

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 14 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 2012Call Report / FDIC

Total Assets

$71M

Total Deposits

$61M

Net Loans

$56M

Net Income

$1M

ROA

2.64%

ROE

20.61%

Risk-Based Capital

16.51%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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