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This institution is no longer active

Operations ceased on March 11, 2005. CRA examination history below reflects the period it was active.

NORTHWOODS STATE BANK

RHINELANDER, WI · Supervised by FDIC

Est. 1912FDIC #10,738RSSD: FDIC-10738
Part ofBARABOO BCORP INC THE→ View all charters
Outstanding Up

Current rating · Exam: October 1999

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.10%

Institution Profile

FDIC BankFind

Address

1225 Lincoln Street, RHINELANDER, WI

County

Oneida County

Established

January 1, 1912

Total Assets

$81M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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 2004Call Report / FDIC

Total Assets

$81M

Total Deposits

$70M

Net Loans

$65M

Net Income

$919K

ROA

1.10%

ROE

10.80%

Risk-Based Capital

13.43%

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 Rate33.33%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202418048.89%33.33%
202317749.72%35.03%
202222761.23%26.87%
202126648.87%39.85%
202022152.49%30.77%
201916855.36%31.55%
201816553.33%32.73%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 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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