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This institution is no longer active

Operations ceased on June 9, 1997. CRA examination history below reflects the period it was active.

STATE BANK OF TOWNER

TOWNER, ND · Supervised by FDIC

Est. 1977FDIC #22,663RSSD: FDIC-22663
Part ofWESTERN STATE AGENCY INC→ View all charters
Satisfactory Same

Current rating · Exam: March 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.99%

Institution Profile

FDIC BankFind

Address

Main Street, TOWNER, ND

County

Mchenry County

Established

January 17, 1977

Total Assets

$40M(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

March 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 1997Call Report / FDIC

Total Assets

$40M

Total Deposits

$36M

Net Loans

$26M

Net Income

$97K

ROA

0.99%

ROE

12.74%

Risk-Based Capital

10.78%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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