This institution is no longer active

Operations ceased on January 1, 2020. CRA examination history below reflects the period it was active.

CHETOPA STATE BANK & TRUST CO., CHETOPA, KANSAS

CHETOPA, KS · Supervised by FDIC

Est. 1901FDIC #13,956RSSD: FDIC-13956

Part ofSOUTHEAST BANCSHARES INC→ View all charters

Outstanding Same

Current rating · Exam: March 1999

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.72%

Institution Profile

FDIC BankFind

Address

409 Maple Street, CHETOPA, KS

County

Labette County

Established

January 1, 1901

Total Assets

$39M(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

March 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q4 2019Call Report / FDIC

Total Assets

$39M

Total Deposits

$35M

Net Loans

$28M

Net Income

$647K

ROA

1.72%

Above avg for Small banks. Peer avg: 0.44%

ROE

16.89%

Risk-Based Capital

15.53%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.72%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.53%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Mar 1999	Outstanding	Small Bank
Apr 1996	Outstanding	Small Bank
Feb 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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