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This institution is no longer active

Operations ceased on March 31, 2006. CRA examination history below reflects the period it was active.

UNION STATE BANK

MONONA, IA · Supervised by FDIC

Est. 1933FDIC #5,799RSSD: FDIC-5799
Part ofLEROY C DARBY EMPLOYEE STK OWNERSHIP PLAN→ View all charters
Satisfactory Down

Current rating · Exam: July 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.47%

Institution Profile

FDIC BankFind

Address

106 South Main Street, MONONA, IA

County

Clayton County

Established

May 1, 1933

Total Assets

$74M(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

July 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)

Financial Snapshot

As of Q4 2005Call Report / FDIC

Total Assets

$74M

Total Deposits

$58M

Net Loans

$55M

Net Income

$1M

ROA

1.47%

ROE

15.74%

Risk-Based Capital

15.11%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

6 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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