UNIVERSAL FINL SERVICES INC is the parent banking group. FIRST STATE BANK AND TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

FHD

UNIVERSAL FINL SERVICES INC

Legal name: UNIVERSAL FINANCIAL SERVICES, INC.

1 active bank · $471M combined assets

RSSD ID: 2387152 (FFIEC NIC)

Combined Assets

$471M

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST STATE BANK AND TRUSTBAYPORT, MNSatisfactory$471MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$471M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$429M

Net Income

$2M

ROA (avg)

1.61%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST STATE BANK AND TRUST	BAYPORT, MN	FDIC	$471M	100.0%	Satisfactory	Mar 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.