This institution is no longer active

Operations ceased on January 3, 1995. CRA examination history below reflects the period it was active.

COMMUNITY FIRST STATE BANK OF PAYNESVILLE

PAYNESVILLE, MN · Supervised by FDIC

Est. 1892FDIC #15,447RSSD: FDIC-15447

Part ofCOMMUNITY FIRST BANKSHARES INC→ View all charters

Outstanding Up

Current rating · Exam: March 1994

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.49%

Institution Profile

FDIC BankFind

Address

201 West James Street, PAYNESVILLE, MN

County

Stearns County

Established

October 6, 1892

Total Assets

$61M(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, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 Q4 1994Call Report / FDIC

Total Assets

$61M

Total Deposits

$52M

Net Loans

$39M

Net Income

$849K

ROA

1.49%

Above avg for Small banks. Peer avg: 0.44%

ROE

16.89%

Risk-Based Capital

12.78%

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).

ROA1.49%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.78%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 1994	Outstanding	Not Reported
Jul 1992	Satisfactory	Not Reported
May 1991	Satisfactory	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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