This institution is no longer active

Operations ceased on August 12, 2022. CRA examination history below reflects the period it was active.

DENMARK STATE BANK

DENMARK, WI · Supervised by FDIC

Est. 1909FDIC #13,240RSSD: FDIC-13240

Part ofDENMARK BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: October 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.80%

Is this bank safe?

DENMARK STATE BANK holds a Satisfactory CRA rating (2020), meets basic financial requirements (ROA +0.80%).

Institution Profile

FDIC BankFind

Address

103 Main St, DENMARK, WI

County

Brown County

Established

March 21, 1909

Total Assets

$680M(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

October 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 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 2022Call Report / FDIC

Total Assets

$680M

Total Deposits

$616M

Net Loans

$458M

Net Income

$3M

ROA

0.80%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.90%

Risk-Based Capital

14.41%

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).

ROA0.80%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.41%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate1.41%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	142	92.25%	1.41%
2021	544	91.91%	2.21%
2020	697	88.67%	2.73%
2019	255	85.88%	4.31%
2018	200	88.5%	7.00%

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
Oct 2020	Satisfactory	Intermediate Small Bank
Sep 2017	Satisfactory	Intermediate Small Bank
Nov 2014	Satisfactory	Intermediate Small Bank

8 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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