At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.63%
Institution Profile
FDIC BankFindWebsite
Address
305 S Main St, FREEMAN, SD
County
Hutchinson County
Established
August 8, 1899
Total Assets
$218M(latest call report)
Community Reinvestment Rating
CRA / FFIECFederal 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
April 30, 1991
Exam Type
Not Reported
Regulator
OCC (Office of the Comptroller of the Currency)
⚠️This exam is 35 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 2026Call Report / FDIC
Total Assets
$218M
Total Deposits
$176M
Net Loans
$147M
Net Income
$895K
ROA
1.63%
ROE
10.71%
Risk-Based Capital
0.00%
Regulatory minimum: 8%
Branch Footprint
Total Branches
4
Branch Deposits
$174M
1-Year Change
0
This is the only examination on record for this bank.
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