This institution is no longer active

Operations ceased on October 1, 1991. CRA examination history below reflects the period it was active.

THE WELLSTON STATE BANK

WELLSTON, OK · Supervised by FDIC

Est. 1902FDIC #14,575RSSD: FDIC-14575

Part ofWELLSTON BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.35%

Institution Profile

FDIC BankFind

Address

201 Second Street, WELLSTON, OK

County

Lincoln County

Established

January 1, 1902

Total Assets

$7M(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 9, 1991

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 35 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 1991Call Report / FDIC

Total Assets

$7M

Total Deposits

$7M

Net Loans

$3M

Net Income

$-78K

ROA

-1.35%

ROE

-374.77%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating 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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