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This institution is no longer active

Operations ceased on October 1, 2015. CRA examination history below reflects the period it was active.

THE GARNAVILLO SAVINGS BANK

GARNAVILLO, IA · Supervised by FDIC

Est. 1904FDIC #10,898RSSD: FDIC-10898
Part ofGARNAVILLO BANK CORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.84%

Institution Profile

FDIC BankFind

Address

101 S. Main Street, GARNAVILLO, IA

County

Clayton County

Established

July 18, 1904

Total Assets

$41M(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

February 1, 2014

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 12 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 Q3 2015Call Report / FDIC

Total Assets

$41M

Total Deposits

$35M

Net Loans

$36M

Net Income

$257K

ROA

0.84%

ROE

7.69%

Risk-Based Capital

10.50%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 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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