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This institution is no longer active

Operations ceased on December 6, 2024. CRA examination history below reflects the period it was active.

HARWOOD STATE BANK

HARWOOD, ND · Supervised by FDIC

Est. 1919FDIC #9,128RSSD: FDIC-9128
Part ofFIRST FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: April 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.96%

Institution Profile

FDIC BankFind

Address

501 Dakota Ave, HARWOOD, ND

County

Cass County

Established

July 14, 1919

Total Assets

$48M(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

April 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q3 2024Call Report / FDIC

Total Assets

$48M

Total Deposits

$40M

Net Loans

$29M

Net Income

$341K

ROA

0.96%

ROE

7.13%

Risk-Based Capital

11.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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