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This institution is no longer active

Operations ceased on June 14, 2000. CRA examination history below reflects the period it was active.

THE FIRST STATE BANK OF ELKHART

ELKHART, KS · Supervised by FDIC

Est. 1915FDIC #17,608RSSD: FDIC-17608
Part ofGOLD BANC CORP INC→ View all charters
Needs to Improve Same

Current rating · Exam: March 1997

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 1.36%

Institution Profile

FDIC BankFind

Address

Main Street, ELKHART, KS

County

Morton County

Established

July 20, 1915

Total Assets

$32M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

March 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 2000Call Report / FDIC

Total Assets

$32M

Total Deposits

$27M

Net Loans

$9M

Net Income

$111K

ROA

1.36%

ROE

10.45%

Risk-Based Capital

31.12%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 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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