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This institution is no longer active

Operations ceased on January 15, 2010. CRA examination history below reflects the period it was active.

ST. STEPHEN STATE BANK

SAINT STEPHEN, MN · Supervised by FDIC

Est. 1920FDIC #17,522RSSD: FDIC-17522
Part ofSAINT STEPHEN BANGROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -11.79%

Institution Profile

FDIC BankFind

Address

2 Central Ave. So., SAINT STEPHEN, MN

County

Stearns County

Established

October 1, 1920

Total Assets

$23M(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 1, 2007

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 18 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 2009Call Report / FDIC

Total Assets

$23M

Total Deposits

$24M

Net Loans

$17M

Net Income

$-3,201K

ROA

-11.79%

ROE

-438.49%

Risk-Based Capital

-6.61%

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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