SIOUX CITY, IA · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$605M
Total Deposits
$442M
Net Loans
$460M
Net Income
$2M
ROA
1.30%
Above avg for Small banks. Peer avg: 0.44%
ROE
7.66%
Risk-Based Capital
12.06%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2023 | 210 | 80% | 9.52% |
| 2022 | 484 | 79.75% | 7.64% |
| 2021 | 761 | 80.68% | 9.33% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jun 2025 | Satisfactory | Intermediate Small Bank |
| Aug 2021 | Satisfactory | Intermediate Small Bank |
| Nov 2017 | Satisfactory | Intermediate Small Bank |
2 previous ratings locked — back to 2006
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Total Branches
8
Branch Deposits
$427M
1-Year Change
0
5-year net change: -1 branches
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