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This institution is no longer active

Operations ceased on February 13, 2023. CRA examination history below reflects the period it was active.

MONONA BANK

MONONA, WI · Supervised by FDIC

Est. 1991FDIC #33,458RSSD: FDIC-33458
Part ofLAKE RIDGE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.30%

Institution Profile

FDIC BankFind

Address

5515 Monona Dr, MONONA, WI

County

Dane County

Established

July 1, 1991

Total Assets

$1.2B(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

January 1, 2021

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 2022Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$978M

Net Income

$-3,601K

ROA

-0.30%

ROE

-2.95%

Risk-Based Capital

8.87%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate2.63%Peer avg: 9.91%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20233886.84%2.63%
202272383.13%4.01%
20211,05576.78%3.70%
20201,38979.34%3.38%
201966983.26%3.89%
201837881.48%6.61%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 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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