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This institution is no longer active

Operations ceased on February 22, 2013. CRA examination history below reflects the period it was active.

RIVERWOOD BANK

BAXTER, MN · Supervised by OTS

Est. 1922FDIC #31,063
Outstanding Same

Current rating · Exam: October 2010

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At a Glance

Community Lending (CRA)

Outstanding

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

Institution Profile

FDIC BankFind

Address

14091 Baxter Drive, Ste. 117, BAXTER, MN

County

Crow Wing County

Established

January 1, 1922

Total Assets

$164M(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 25, 2010

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 15 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)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202423995.4%1.26%
202323390.13%2.58%
202231591.75%1.59%
202155391.14%1.63%
202044785.23%2.91%
201925283.73%5.56%
201819777.66%5.08%

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

5 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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