Legal name: FSB FINANCIAL SERVICES, INC.
2 active banks · $1.8B combined assets
RSSD ID: 1204832 (FFIEC NIC)
Combined Assets
$1.8B
CRA Rating Summary
Across all 21 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Outstanding
1 of 2 banks · Exceeds expectations for community lending
Combined Assets
$1.8B
2 active banks
Aggregated from the most recent call report filings for all active charters.
Total Deposits
$1.4B
Net Income
$6M
ROA (avg)
1.31%
asset-weighted avg
Aggregated HMDA data across all active charters for 2023.
Applications
1,929
Origination Rate
77.6%
Denial Rate
9.38%
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| FARMERS STATE BANK | WATERLOO, IA | FDIC | $1.6B | 100.0% | Outstanding | Aug 2025 |
| IOWA FALLS STATE BANK | IOWA FALLS, IA | FDIC | $204M | — | Satisfactory | Jul 2025 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.