🏦Bank Scorer

This institution is no longer active

Operations ceased on December 31, 2023. CRA examination history below reflects the period it was active.

SETTLERS BANK

WINDSOR, WI · Supervised by FDIC

Est. 2007FDIC #58,651RSSD: FDIC-58651
Part ofSB BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.59%

Institution Profile

FDIC BankFind

Address

4021 Meridian Dr, WINDSOR, WI

County

Dane County

Established

December 3, 2007

Total Assets

$411M(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, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2023Call Report / FDIC

Total Assets

$411M

Total Deposits

$296M

Net Loans

$374M

Net Income

$1M

ROA

0.59%

ROE

5.50%

Risk-Based Capital

12.23%

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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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20237888.46%0.00%
202218974.07%1.06%
202134586.67%1.74%
202057587.65%1.22%
201931486.31%2.87%
201821180.57%2.84%

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

3 previous ratings locked — dating back to 2010

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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