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This institution is no longer active

Operations ceased on February 7, 2008. CRA examination history below reflects the period it was active.

ODEBOLT STATE BANK

ODEBOLT, IA · Supervised by FDIC

Est. 1934FDIC #15,052RSSD: FDIC-15052
Substantial Noncompliance Same

Current rating · Exam: December 2006

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At a Glance

Community Lending (CRA)

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Financial Health

Adequate

ROA 1.47%

Institution Profile

FDIC BankFind

Address

100 South Main Street, ODEBOLT, IA

County

Sac County

Established

November 22, 1934

Total Assets

$6M(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

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Exam Date

December 1, 2006

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 19 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 2007Call Report / FDIC

Total Assets

$6M

Total Deposits

$2M

Net Loans

$144K

Net Income

$90K

ROA

1.47%

ROE

2.56%

Risk-Based Capital

1901.07%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

13 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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