🏦Bank Scorer

MID-CENTRAL FEDERAL SAVINGS BANK

WADENA, MN · Supervised by OTS

Est. 1957FDIC #30,943
Outstanding Same

Current rating · Exam: January 2010

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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 0.63%

Institution Profile

FDIC BankFind

Address

520 Jefferson St S, WADENA, MN

County

Wadena County

Established

March 11, 1957

Total Assets

$117M(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

January 13, 2010

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 16 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$117M

Total Deposits

$95M

Net Loans

$90M

Net Income

$182K

ROA

0.63%

ROE

3.46%

Risk-Based Capital

24.98%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$97M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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