🏦Bank Scorer

SECURITY STATE BANK OF MARINE

MARINE ON ST. CROIX, MN · Supervised by FDIC

Est. 1919FDIC #10,163RSSD: FDIC-10163
Part ofMARINE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.33%

Institution Profile

FDIC BankFind

Address

120 Judd St, MARINE ON ST. CROIX, MN

County

Washington County

Established

May 12, 1919

Total Assets

$235M(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

February 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 Q1 2026Call Report / FDIC

Total Assets

$235M

Total Deposits

$210M

Net Loans

$175M

Net Income

$1M

ROA

2.33%

ROE

21.74%

Risk-Based Capital

16.07%

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 Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$201M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248595.29%0.00%
20239492.55%4.26%
20195196.08%1.96%
20185991.53%5.08%

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

7 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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