This institution is no longer active

Operations ceased on January 1, 2012. CRA examination history below reflects the period it was active.

VIKING STATE BANK & TRUST

DECORAH, IA · Supervised by FDIC

Est. 1996FDIC #34,135RSSD: FDIC-34135

Part ofWFC INC→ View all charters

Outstanding Same

Current rating · Exam: May 2004

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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 2.27%

Institution Profile

FDIC BankFind

Address

321 West Water Street, DECORAH, IA

County

Winneshiek County

Established

February 20, 1996

Total Assets

$110M(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

May 1, 2004

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 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 2011Call Report / FDIC

Total Assets

$110M

Total Deposits

$97M

Net Loans

$79M

Net Income

$2M

ROA

2.27%

ROE

21.79%

Risk-Based Capital

14.91%

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 1998

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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