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This institution is no longer active

Operations ceased on December 1, 2018. CRA examination history below reflects the period it was active.

NORTH AMERICAN STATE BANK

BELGRADE, MN · Supervised by FDIC

Est. 1889FDIC #10,179RSSD: FDIC-10179
Part ofNASB SHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

321 Washburn Avenue, BELGRADE, MN

County

Stearns County

Established

May 17, 1889

Total Assets

$97M(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, 2013

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 12 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 Q3 2018Call Report / FDIC

Total Assets

$97M

Total Deposits

$84M

Net Loans

$63M

Net Income

$635K

ROA

0.87%

ROE

6.92%

Risk-Based Capital

20.13%

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 Rate0.00%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
2021676100%0.00%
20201,090100%0.00%
2019547100%0.00%
2018503100%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

6 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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