🏦Bank Scorer

KEYSTONE SAVINGS BANK

MARENGO, IA · Supervised by FDIC

Est. 1935FDIC #17,993RSSD: FDIC-17993
Part ofKEYSTONE COMMUNITY BCORP→ View all charters
Satisfactory Same

Current rating · Exam: December 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.32%

Institution Profile

FDIC BankFind

Address

330 Western Avenue, MARENGO, IA

County

Iowa County

Established

April 27, 1935

Total Assets

$210M(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

December 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$210M

Total Deposits

$178M

Net Loans

$119M

Net Income

$164K

ROA

0.32%

ROE

3.14%

Risk-Based Capital

17.02%

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 Rate2.70%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$164M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243791.89%2.70%
20233677.78%5.56%
20225172.55%15.69%
202111689.66%6.90%
202013183.97%12.98%
201911780.34%9.40%
201810675.47%10.38%

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

8 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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