This institution is no longer active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

SPOONER, WI · Supervised by FDIC

Est. 1903FDIC #9,527RSSD: FDIC-9527

Part ofCOMMUNITY FIRST BANKSHARES INC→ View all charters

Outstanding Same

Current rating · Exam: February 1995

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.75%

Institution Profile

FDIC BankFind

Address

116-118 Elm Street, SPOONER, WI

County

Washburn County

Established

August 11, 1903

Total Assets

$121M(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

February 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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

$121M

Total Deposits

$100M

Net Loans

$85M

Net Income

$1M

ROA

1.75%

Above avg for Small banks. Peer avg: 0.44%

ROE

20.40%

Risk-Based Capital

11.56%

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).

ROA1.75%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.56%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.02%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	3,307	79.26%	7.02%
2020	137	56.2%	18.25%
2019	250	68%	5.60%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Feb 1995	Outstanding	Not Reported
Oct 1992	Outstanding	Not Reported
Jul 1990	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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