This institution is no longer active

Operations ceased on September 16, 1996. CRA examination history below reflects the period it was active.

WILMOT STATE BANK

WILMOT, AR · Supervised by FDIC

Est. 1937FDIC #15,550RSSD: FDIC-15550

Part ofWILMOT BANK HOLDING CO→ View all charters

Satisfactory Down

Current rating · Exam: April 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.86%

Institution Profile

FDIC BankFind

Address

418 East Main Street, WILMOT, AR

County

Ashley County

Established

October 12, 1937

Total Assets

$10M(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

April 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q2 1996Call Report / FDIC

Total Assets

$10M

Total Deposits

$9M

Net Loans

$5M

Net Income

$47K

ROA

0.86%

ROE

7.42%

Risk-Based Capital

17.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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