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This institution is no longer active

Operations ceased on January 13, 1996. CRA examination history below reflects the period it was active.

MINNESOTA STATE BANK

ST. PAUL, MN · Supervised by FDIC

Est. 1945FDIC #16,258RSSD: FDIC-16258
Part ofMINNESOTA STATE BANCSHARES INC→ View all charters
Satisfactory Up

Current rating · Exam: March 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.80%

Institution Profile

FDIC BankFind

Address

175 West Lafayette Frontage Road, ST. PAUL, MN

County

Ramsey County

Established

May 1, 1945

Total Assets

$91M(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

March 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 Q4 1995Call Report / FDIC

Total Assets

$91M

Total Deposits

$81M

Net Loans

$42M

Net Income

$2M

ROA

1.80%

ROE

19.63%

Risk-Based Capital

12.92%

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 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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