🏦Bank Scorer

THE FIRST NATIONAL BANK OF BANGOR

BANGOR, WI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1903FDIC #5,337
Satisfactory Same

Current rating · Exam: April 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 3.36%

Institution Profile

FDIC BankFind

Address

1798 Commercial St, BANGOR, WI

County

La Crosse County

Established

July 1, 1903

Total Assets

$359M(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

April 29, 2024

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Apr 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$359M

Total Deposits

$224M

Net Loans

$316M

Net Income

$3M

ROA

3.36%

ROE

11.38%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

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

5

Branch Deposits

$217M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249497.87%0.00%
202310696.23%2.83%
20197996.2%3.80%
20186687.88%7.58%

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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