This institution is no longer active

Operations ceased on October 19, 2007. CRA examination history below reflects the period it was active.

HENRY COUNTY BANK

NEW LONDON, IA · Supervised by FDIC

Est. 1999FDIC #35,373RSSD: FDIC-35373

Part ofTWO RIVERS FINANCIAL GROUP INC→ View all charters

Satisfactory Same

Current rating · Exam: December 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.72%

Institution Profile

FDIC BankFind

Address

503 West Main Street, NEW LONDON, IA

County

Henry County

Established

December 1, 1999

Total Assets

$57M(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

December 1, 2006

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 19 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

$57M

Total Deposits

$48M

Net Loans

$31M

Net Income

$305K

ROA

0.72%

ROE

5.20%

Risk-Based Capital

11.37%

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 Rate4.25%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2021	212	89.15%	4.25%
2020	282	85.46%	5.32%
2019	150	78.67%	10.67%
2018	109	76.15%	11.93%

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 2 exams

1 previous rating 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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