🏦Bank Scorer

This institution is no longer active

Operations ceased on November 1, 2004. CRA examination history below reflects the period it was active.

RURAL AMERICAN BANK-MONTGOMERY/LONSDALE

LONSDALE, MN · Supervised by FDIC

Est. 1908FDIC #1,921RSSD: FDIC-1921
Part ofFRANDSEN FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2002

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.57%

Institution Profile

FDIC BankFind

Address

116 Central Street West, LONSDALE, MN

County

Rice County

Established

January 8, 1908

Total Assets

$73M(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, 2002

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 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 2004Call Report / FDIC

Total Assets

$73M

Total Deposits

$65M

Net Loans

$46M

Net Income

$832K

ROA

1.57%

ROE

16.06%

Risk-Based Capital

11.56%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/b23bfc7d-07ba-46c3-b058-3e0099e55402"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: