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This institution is no longer active

Operations ceased on October 28, 2011. CRA examination history below reflects the period it was active.

SCANDIA AMERICAN BANK & TRUST

STANLEY, ND · Supervised by FDIC

Est. 1910FDIC #8,639RSSD: FDIC-8639
Part ofBRAVERA HOLDINGS CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

First And Main Streets, STANLEY, ND

County

Mountrail County

Established

January 1, 1910

Total Assets

$196M(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

November 1, 2009

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 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 2011Call Report / FDIC

Total Assets

$196M

Total Deposits

$177M

Net Loans

$61M

Net Income

$1M

ROA

0.87%

ROE

9.75%

Risk-Based Capital

14.87%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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