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This institution is no longer active

Operations ceased on December 1, 2012. CRA examination history below reflects the period it was active.

SECURITY BANK AND TRUST COMPANY

SCOTT CITY, MO · Supervised by FDIC

Est. 1905FDIC #10,620RSSD: FDIC-10620
Part ofFIRST SOUTHEAST MO BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.03%

Institution Profile

FDIC BankFind

Address

1514 Main Street, SCOTT CITY, MO

County

Scott County

Established

June 5, 1905

Total Assets

$80M(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

September 5, 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 Q3 2012Call Report / FDIC

Total Assets

$80M

Total Deposits

$72M

Net Loans

$46M

Net Income

$618K

ROA

1.03%

ROE

12.25%

Risk-Based Capital

16.08%

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 Rate11.19%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202414376.92%11.19%
202314481.94%8.33%

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 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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