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This institution is no longer active

Operations ceased on August 24, 2019. CRA examination history below reflects the period it was active.

THE NICOLLET COUNTY BANK OF SAINT PETER

SAINT PETER, MN · Supervised by FDIC

Est. 1883FDIC #9,757RSSD: FDIC-9757
Part ofCITIZENS BANK GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.16%

Institution Profile

FDIC BankFind

Address

220 South Third Street, SAINT PETER, MN

County

Nicollet County

Established

March 22, 1883

Total Assets

$168M(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

April 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 Q2 2019Call Report / FDIC

Total Assets

$168M

Total Deposits

$141M

Net Loans

$74M

Net Income

$140K

ROA

0.16%

ROE

1.76%

Risk-Based Capital

17.64%

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 Rate7.41%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20182788.89%7.41%

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

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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