🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 2007. CRA examination history below reflects the period it was active.

HARDWICK STATE BANK

HARDWICK, MN · Supervised by FDIC

Est. 1925FDIC #10,575RSSD: FDIC-10575
Satisfactory Same

Current rating · Exam: May 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.21%

Institution Profile

FDIC BankFind

Address

Main Street, HARDWICK, MN

County

Rock County

Established

October 26, 1925

Total Assets

$11M(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 5, 2003

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 Q3 2007Call Report / FDIC

Total Assets

$11M

Total Deposits

$10M

Net Loans

$4M

Net Income

$20K

ROA

0.21%

ROE

1.83%

Risk-Based Capital

17.55%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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