This institution is no longer active

Operations ceased on August 8, 2003. CRA examination history below reflects the period it was active.

FARMERS SAVINGS BANK

WEST UNION, IA · Supervised by FDIC

Est. 1913FDIC #243RSSD: FDIC-243

Part ofKERNDT BANK SERVICES INC→ View all charters

Outstanding Same

Current rating · Exam: August 1998

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.13%

Institution Profile

FDIC BankFind

Address

205 North Vine Street, WEST UNION, IA

County

Fayette County

Established

July 5, 1913

Total Assets

$49M(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

August 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q2 2003Call Report / FDIC

Total Assets

$49M

Total Deposits

$37M

Net Loans

$36M

Net Income

$286K

ROA

1.13%

Above avg for Small banks. Peer avg: 0.44%

ROE

11.22%

Risk-Based Capital

12.14%

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).

ROA1.13%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.14%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Aug 1998	Outstanding	Small Bank
Sep 1995	Outstanding	Not Reported
Nov 1993	Outstanding	Not Reported

2 previous ratings 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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