🏦Bank Scorer

NEW MARKET BANK

ELKO NEW MARKET, MN · Supervised by FDIC

Est. 1905FDIC #1,931RSSD: FDIC-1931
Part ofMARKET BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.06%

Institution Profile

FDIC BankFind

Address

101 Old Town Rd, ELKO NEW MARKET, MN

County

Scott County

Established

June 10, 1905

Total Assets

$194M(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

February 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$194M

Total Deposits

$176M

Net Loans

$113M

Net Income

$509K

ROA

1.06%

ROE

12.40%

Risk-Based Capital

15.06%

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 Rate5.10%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$172M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202415785.99%5.10%
202310580%0.00%
202217084.12%1.76%
202155788.87%3.23%
201911991.6%0.00%

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

8 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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