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This institution is no longer active

Operations ceased on August 9, 2008. CRA examination history below reflects the period it was active.

MIDWESTONE BANK

OSKALOOSA, IA · Supervised by FDIC

Est. 1934FDIC #14,197RSSD: FDIC-14197
Part ofMIDWESTONE FINANCIAL GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.91%

Institution Profile

FDIC BankFind

Address

124 South 1st Street, OSKALOOSA, IA

County

Mahaska County

Established

January 1, 1934

Total Assets

$789M(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

August 1, 2006

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 19 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 Q2 2008Call Report / FDIC

Total Assets

$789M

Total Deposits

$591M

Net Loans

$640M

Net Income

$4M

ROA

0.91%

ROE

9.66%

Risk-Based Capital

10.74%

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 Rate18.39%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,78471.58%18.39%
20231,89271.41%17.81%
20222,45577.72%13.03%
20213,84279.67%10.28%
20204,51578.25%8.64%
20192,95776.26%12.24%
20181,87573.81%14.56%

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

6 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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