🏦Bank Scorer

This institution is no longer active

Operations ceased on August 1, 2018. CRA examination history below reflects the period it was active.

HORIZON STATE BANK

CAMERON, MO · Supervised by FDIC

Est. 1886FDIC #10,611RSSD: FDIC-10611
Part ofCALDWELL COUNTY BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.69%

Institution Profile

FDIC BankFind

Address

814 North Walnut, CAMERON, MO

County

Dekalb County

Established

July 16, 1886

Total Assets

$22M(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

October 1, 2014

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 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 Q2 2018Call Report / FDIC

Total Assets

$22M

Total Deposits

$19M

Net Loans

$13M

Net Income

$188K

ROA

1.69%

ROE

15.17%

Risk-Based Capital

22.35%

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 Rate24.68%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20221,72659.97%24.68%
20211,48560.88%19.39%
20201,55666.65%13.95%
20191,09059.17%21.65%
201838266.49%11.52%

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 3 exams

5 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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