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KEEN BANK, NATIONAL ASSOCIATION

WASECA, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1902FDIC #5,270
Outstanding Up

Current rating · Exam: October 2022

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 1.97%

Institution Profile

FDIC BankFind

Website

keen.bank

Address

101 State St N, WASECA, MN

County

Waseca County

Established

December 18, 1902

Total Assets

$198M(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

October 24, 2022

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$198M

Total Deposits

$179M

Net Loans

$146M

Net Income

$982K

ROA

1.97%

ROE

23.81%

Risk-Based Capital

13.79%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$169M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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