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This institution is no longer active

Operations ceased on March 21, 2011. CRA examination history below reflects the period it was active.

RURAL AMERICAN BANK - BRAHAM

BRAHAM, MN · Supervised by FDIC

Est. 1899FDIC #5,099RSSD: FDIC-5099
Part ofFRANDSEN FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.20%

Institution Profile

FDIC BankFind

Address

121 South Main, BRAHAM, MN

County

Isanti County

Established

August 29, 1899

Total Assets

$109M(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

August 1, 2008

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 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 2010Call Report / FDIC

Total Assets

$109M

Total Deposits

$93M

Net Loans

$58M

Net Income

$1M

ROA

1.20%

ROE

9.36%

Risk-Based Capital

17.15%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

5 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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