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This institution is no longer active

Operations ceased on March 24, 2017. CRA examination history below reflects the period it was active.

SPENCER STATE BANK

SPENCER, NE · Supervised by FDIC

Est. 1922FDIC #12,249RSSD: FDIC-12249
Part ofFARMERS ST BANCSHARES II INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.39%

Institution Profile

FDIC BankFind

Address

101 N Thayer St, SPENCER, NE

County

Boyd County

Established

December 10, 1922

Total Assets

$50M(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, 2011

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 14 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 Q4 2016Call Report / FDIC

Total Assets

$50M

Total Deposits

$41M

Net Loans

$38M

Net Income

$177K

ROA

0.39%

ROE

3.59%

Risk-Based Capital

14.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 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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