🏦Bank Scorer

This institution is no longer active

Operations ceased on August 1, 2025. CRA examination history below reflects the period it was active.

INTERCITY STATE BANK

SCHOFIELD, WI · Supervised by FDIC

Est. 1952FDIC #17,128RSSD: FDIC-17128
Part ofBOSSHARD BANCO LTD→ View all charters
Satisfactory Same

Current rating · Exam: March 2023

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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

962 Grand Ave, SCHOFIELD, WI

County

Marathon County

Established

July 14, 1952

Total Assets

$260M(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

March 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2028(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$260M

Total Deposits

$199M

Net Loans

$210M

Net Income

$2M

ROA

1.69%

ROE

7.75%

Risk-Based Capital

27.80%

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 Rate8.53%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$199M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412975.97%8.53%
202314771.43%10.20%
202221981.74%8.22%
202135378.47%10.76%
202050479.76%11.11%
201921284.43%4.72%
201820976.56%8.61%

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

7 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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