This institution is no longer active

Operations ceased on July 21, 2008. CRA examination history below reflects the period it was active.

COUNTRYSIDE BANK

REPUBLIC, MO · Supervised by FDIC

Est. 1998FDIC #34,743RSSD: FDIC-34743

Part ofCOUNTRYSIDE BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: May 2005

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.25%

Is this bank safe?

COUNTRYSIDE BANK holds a Satisfactory CRA rating (2005), shows financial metrics that merit closer review (ROA -1.25%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

520 East Elm Avenue, REPUBLIC, MO

County

Greene County

Established

June 15, 1998

Total Assets

$97M(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

May 1, 2005

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 21 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 2008Call Report / FDIC

Total Assets

$97M

Total Deposits

$87M

Net Loans

$68M

Net Income

$-613K

ROA

-1.25%

Below avg for Small banks. Peer avg: 0.44%

ROE

-17.50%

Risk-Based Capital

10.70%

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).

ROA-1.25%Peer avg: 0.44%▼ Below avg

Risk-Based Capital10.70%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.81%Peer avg: 6.90%▲ More than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	128	73.44%	7.81%
2018	272	86.03%	5.51%

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
May 2005	Satisfactory	Small Bank
Nov 2000	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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