Legal name: OHNWARD BANCSHARES, INC.
3 active banks · 1 merged/absorbed · $1.7B combined assets
RSSD ID: 1200311 (FFIEC NIC)
Combined Assets
$1.7B
CRA Rating Summary
Across all 33 exams on record for this banking group's charters, 94% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Outstanding
1 of 3 banks · Exceeds expectations for community lending
Combined Assets
$1.7B
3 active banks
Aggregated from the most recent call report filings for all active charters.
Total Deposits
$1.4B
Net Income
$6M
ROA (avg)
1.4%
asset-weighted avg
Aggregated HMDA data across all active charters for 2024.
Applications
239
Origination Rate
84.52%
Denial Rate
3.77%
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| FIRST CENTRAL STATE BANK | DEWITT, IA | FDIC | $784M | 100.0% | Satisfactory | Nov 2025 |
| OHNWARD BANK & TRUST | CASCADE, IA | FDIC | $489M | 100.0% | Satisfactory | May 2025 |
| MAQUOKETA STATE BANK | MAQUOKETA, IA | FDIC | $445M | 100.0% | Outstanding | Jan 1999 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.