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This institution is no longer active

Operations ceased on January 1, 1998. CRA examination history below reflects the period it was active.

UNITED COMMUNITY BANK

HARTLEY, IA · Supervised by FDIC

Est. 1892FDIC #11,769RSSD: FDIC-11769
Part ofMILFORD BCORP→ View all charters
Outstanding Up

Current rating · Exam: June 1997

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.66%

Institution Profile

FDIC BankFind

Address

91 Third Street N.W., HARTLEY, IA

County

O'Brien County

Established

January 1, 1892

Total Assets

$25M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 1997Call Report / FDIC

Total Assets

$25M

Total Deposits

$23M

Net Loans

$21M

Net Income

$151K

ROA

0.66%

ROE

7.96%

Risk-Based Capital

8.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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