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This institution is no longer active

Operations ceased on September 30, 2014. CRA examination history below reflects the period it was active.

GREAT AMERICAN BANK

DE SOTO, KS · Supervised by FDIC

Est. 1901FDIC #10,908RSSD: FDIC-10908
Part ofFIRST FINANCIAL BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.08%

Institution Profile

FDIC BankFind

Address

33050 West 83rd Street, DE SOTO, KS

County

Johnson County

Established

January 15, 1901

Total Assets

$78M(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, 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 Q2 2014Call Report / FDIC

Total Assets

$78M

Total Deposits

$60M

Net Loans

$59M

Net Income

$802K

ROA

2.08%

ROE

13.23%

Risk-Based Capital

14.77%

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 Rate1.70%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417694.32%1.70%
202316894.64%1.19%
202220595.12%0.00%
202122491.52%1.34%
202021291.51%2.83%
201917290.7%1.16%
201818791.98%1.60%

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

4 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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