This institution is no longer active

Operations ceased on August 29, 2000. CRA examination history below reflects the period it was active.

COMMUNITY FIRST STATE BANK

ALLIANCE, NE · Supervised by FDIC

Est. 1919FDIC #10,646RSSD: FDIC-10646

Part ofCOMMUNITY FIRST BANKSHARES INC→ View all charters

Satisfactory Up

Current rating · Exam: January 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.36%

Is this bank safe?

COMMUNITY FIRST STATE BANK holds a Satisfactory CRA rating (1996), is financially strong (ROA +1.36%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

224 Box Butte Avenue, ALLIANCE, NE

County

Box Butte County

Established

July 14, 1919

Total Assets

$279M(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

January 1, 1996

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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 2000Call Report / FDIC

Total Assets

$279M

Total Deposits

$227M

Net Loans

$175M

Net Income

$2M

ROA

1.36%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.76%

Risk-Based Capital

14.91%

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).

ROA1.36%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.91%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate6.15%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	3,205	76.91%	6.15%
2022	184	72.83%	9.24%
2021	320	72.5%	12.19%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jan 1996	Satisfactory	Not Reported
Feb 1995	Needs to Improve	Not Reported
Jul 1992	Outstanding	Not Reported

1 previous rating locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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