🏦Bank Scorer

This institution is no longer active

Operations ceased on June 30, 2018. CRA examination history below reflects the period it was active.

THE FREEPORT STATE BANK

HARPER, KS · Supervised by FDIC

Est. 1902FDIC #18,067RSSD: FDIC-18067
Part ofFREEPORT BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.48%

Institution Profile

FDIC BankFind

Address

807 West 14th Street, HARPER, KS

County

Harper County

Established

January 1, 1902

Total Assets

$22M(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

January 1, 2018

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 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 2018Call Report / FDIC

Total Assets

$22M

Total Deposits

$21M

Net Loans

$12M

Net Income

$26K

ROA

0.48%

ROE

10.19%

Risk-Based Capital

11.02%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.26%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243873.68%5.26%
20233982.05%15.38%
20193464.71%20.59%
20183060%13.33%

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 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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