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This institution is no longer active

Operations ceased on August 6, 2008. CRA examination history below reflects the period it was active.

HORIZON BANK

OSKALOOSA, IA · Supervised by OTS

Est. 1919FDIC #27,776
Outstanding Up

Current rating · Exam: September 2002

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Institution Profile

FDIC BankFind

Address

301 First Ave East, OSKALOOSA, IA

County

Mahaska County

Established

January 1, 1919

Total Assets

$2M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 9, 2002

Exam Type

Small Bank

Regulator

OTS
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)
Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243,88865.82%25.26%
20234,42963.47%28.34%
20226,28270.58%21.81%
20217,25769.96%19.54%
20207,99869.72%17.52%
20195,68867.05%22.75%
20184,74167.92%20.80%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

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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