🏦Bank Scorer

This institution is no longer active

Operations ceased on October 3, 2025. CRA examination history below reflects the period it was active.

THE HAVILAND STATE BANK

HAVILAND, KS · Supervised by FDIC

Est. 1903FDIC #17,403RSSD: FDIC-17403
Part ofHAVILAND BANCSHARES EMPLOYEE STK OWNERSHIP PLAN&TR AGREEMENT→ View all charters
Satisfactory Same

Current rating · Exam: November 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.44%

Institution Profile

FDIC BankFind

Address

209 N Main St, HAVILAND, KS

County

Kiowa County

Established

August 31, 1903

Total Assets

$48M(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

November 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q3 2025Call Report / FDIC

Total Assets

$48M

Total Deposits

$40M

Net Loans

$34M

Net Income

$536K

ROA

1.44%

ROE

12.21%

Risk-Based Capital

12.39%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$37M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/6b750bf7-227d-4038-8f71-e27d2ab15a51"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: