🏦Bank Scorer

This institution is no longer active

Operations ceased on July 30, 2021. CRA examination history below reflects the period it was active.

RCSBANK

NEW LONDON, MO · Supervised by FDIC

Est. 1944FDIC #16,170RSSD: FDIC-16170
Part ofROYAL BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2015

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.13%

Institution Profile

FDIC BankFind

Address

418 South Main, NEW LONDON, MO

County

Ralls County

Established

July 15, 1944

Total Assets

$127M(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, 2015

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 11 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 Q2 2021Call Report / FDIC

Total Assets

$127M

Total Deposits

$110M

Net Loans

$85M

Net Income

$-82K

ROA

-0.13%

ROE

-1.67%

Risk-Based Capital

9.80%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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