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This institution is no longer active

Operations ceased on March 15, 2021. CRA examination history below reflects the period it was active.

THE LORRAINE STATE BANK

LORRAINE, KS · Supervised by FDIC

Est. 1907FDIC #17,395RSSD: FDIC-17395
Part ofELLCO BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.05%

Institution Profile

FDIC BankFind

Address

233 Main St, LORRAINE, KS

County

Ellsworth County

Established

January 1, 1907

Total Assets

$26M(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, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 Q4 2020Call Report / FDIC

Total Assets

$26M

Total Deposits

$22M

Net Loans

$18M

Net Income

$257K

ROA

1.05%

ROE

6.37%

Risk-Based Capital

20.51%

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 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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