🏦Bank Scorer

This institution is no longer active

Operations ceased on May 2, 2003. CRA examination history below reflects the period it was active.

HANCOCK COUNTY BANK & TRUST

GARNER, IA · Supervised by FDIC

Est. 1934FDIC #13,984RSSD: FDIC-13984
Satisfactory Same

Current rating · Exam: November 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.82%

Institution Profile

FDIC BankFind

Address

175 East Third Street, GARNER, IA

County

Hancock County

Established

March 1, 1934

Total Assets

$123M(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

November 1, 2002

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 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 Q1 2003Call Report / FDIC

Total Assets

$123M

Total Deposits

$95M

Net Loans

$63M

Net Income

$261K

ROA

0.82%

ROE

8.20%

Risk-Based Capital

14.04%

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 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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