This institution is no longer active

Operations ceased on October 6, 2015. CRA examination history below reflects the period it was active.

UNIVERSITY BANK

PITTSBURG, KS · Supervised by FDIC

Est. 1999FDIC #34,985RSSD: FDIC-34985

Part ofUNIVERSITY NATL BANCSHARES INC→ View all charters

Satisfactory

Current rating · Exam: January 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.25%

Institution Profile

FDIC BankFind

Address

1206 South Broadway St, PITTSBURG, KS

County

Crawford County

Established

January 4, 1999

Total Assets

$114M(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

January 1, 2013

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 13 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 2015Call Report / FDIC

Total Assets

$114M

Total Deposits

$92M

Net Loans

$71M

Net Income

$1M

ROA

1.25%

ROE

9.11%

Risk-Based Capital

21.64%

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 Rate3.63%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	2,400	80.04%	3.63%
2023	2,446	78.9%	1.84%
2022	589	77.42%	1.53%
2021	28	100%	0.00%
2020	12	100%	0.00%
2019	25	92%	4.00%
2018	22	100%	0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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