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This institution is no longer active

Operations ceased on June 13, 2008. CRA examination history below reflects the period it was active.

THE SMITH COUNTY STATE BANK AND TRUST COMPANY

SMITH CENTER, KS · Supervised by FDIC

Est. 1886FDIC #9,664RSSD: FDIC-9664
Part ofSCB FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.13%

Institution Profile

FDIC BankFind

Address

136 South Main, SMITH CENTER, KS

County

Smith County

Established

January 1, 1886

Total Assets

$63M(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

August 1, 2004

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 21 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2008Call Report / FDIC

Total Assets

$63M

Total Deposits

$56M

Net Loans

$23M

Net Income

$173K

ROA

1.13%

ROE

9.71%

Risk-Based Capital

24.39%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 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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