🏦Bank Scorer

This institution is no longer active

Operations ceased on April 1, 2008. CRA examination history below reflects the period it was active.

LA CRESCENT STATE BANK

ONALASKA, WI · Supervised by FDIC

Est. 1912FDIC #10,181RSSD: FDIC-10181
Part ofMERCHANTS FINANCIAL GROUP INC→ View all charters
Outstanding Same

Current rating · Exam: July 1996

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -0.28%

Institution Profile

FDIC BankFind

Address

3140 Market Place, ONALASKA, WI

County

La Crosse County

Established

September 10, 1912

Total Assets

$25M(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

July 1, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 Q1 2008Call Report / FDIC

Total Assets

$25M

Total Deposits

$21M

Net Loans

$19M

Net Income

$-18K

ROA

-0.28%

ROE

-2.21%

Risk-Based Capital

14.47%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 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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