🏦Bank Scorer

This institution is no longer active

Operations ceased on November 19, 2021. CRA examination history below reflects the period it was active.

ROUNDBANK

WASECA, MN · Supervised by FDIC

Est. 1881FDIC #5,271RSSD: FDIC-5271
Part ofWASECA BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.30%

Institution Profile

FDIC BankFind

Address

200 Northeast 2nd Street, WASECA, MN

County

Waseca County

Established

November 15, 1881

Total Assets

$379M(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

March 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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

$379M

Total Deposits

$316M

Net Loans

$227M

Net Income

$7M

ROA

2.30%

ROE

20.09%

Risk-Based Capital

16.02%

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 Rate2.71%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202162785.65%2.71%
20201,20491.78%1.50%
201934087.35%3.82%
201828282.62%6.38%

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 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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