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This institution is no longer active

Operations ceased on January 13, 2014. CRA examination history below reflects the period it was active.

JOHN O. MELBY & CO. BANK

WHITEHALL, WI · Supervised by FDIC

Est. 1888FDIC #14,945RSSD: FDIC-14945
Part ofB&E INVESTMENTS STB ARCADIA EMPLOYEE STK OWNERSHIP PLAN&TR→ View all charters
Satisfactory Same

Current rating · Exam: May 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.40%

Institution Profile

FDIC BankFind

Address

36450 Main Street, WHITEHALL, WI

County

Trempealeau County

Established

January 1, 1888

Total Assets

$43M(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

May 1, 2010

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 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 Q4 2013Call Report / FDIC

Total Assets

$43M

Total Deposits

$36M

Net Loans

$22M

Net Income

$171K

ROA

0.40%

ROE

2.38%

Risk-Based Capital

21.64%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

6 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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