🏦Bank Scorer

This institution is no longer active

Operations ceased on December 4, 2021. CRA examination history below reflects the period it was active.

NXT BANK

CENTRAL CITY, IA · Supervised by FDIC

Est. 1946FDIC #16,438RSSD: FDIC-16438
Part ofNXT BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.98%

Institution Profile

FDIC BankFind

Address

59 Fourth Street North, CENTRAL CITY, IA

County

Linn County

Established

June 15, 1946

Total Assets

$233M(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

June 1, 2021

Exam Type

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 Q3 2021Call Report / FDIC

Total Assets

$233M

Total Deposits

$182M

Net Loans

$193M

Net Income

$2M

ROA

0.98%

ROE

7.04%

Risk-Based Capital

18.17%

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 Rate7.41%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20195462.96%7.41%
20185886.21%8.62%

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 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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