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This institution is no longer active

Operations ceased on July 11, 2016. CRA examination history below reflects the period it was active.

PEOPLES EXCHANGE BANK

BELLEVILLE, KS · Supervised by FDIC

Est. 1910FDIC #4,629RSSD: FDIC-4629
Part ofAMERICAN STATE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.89%

Institution Profile

FDIC BankFind

Address

1404 28th Street, BELLEVILLE, KS

County

Republic County

Established

August 1, 1910

Total Assets

$63M(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

May 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q2 2016Call Report / FDIC

Total Assets

$63M

Total Deposits

$41M

Net Loans

$42M

Net Income

$278K

ROA

0.89%

ROE

6.36%

Risk-Based Capital

13.65%

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 Rate9.18%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202439272.19%9.18%
202335567.32%10.42%
202253275%8.46%
202192571.89%8.97%
20201,04067.69%12.98%
201966672.82%13.36%
201865575.27%11.91%

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

2 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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