🏦Bank Scorer

FARMERS STATE BANK OF UNDERWOOD

UNDERWOOD, MN · Supervised by FDIC

Est. 1915FDIC #10,174RSSD: FDIC-10174
Part ofUNDERWOOD BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.67%

Institution Profile

FDIC BankFind

Address

110 Main St S, UNDERWOOD, MN

County

Otter Tail County

Established

December 1, 1915

Total Assets

$112M(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, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 Q1 2026Call Report / FDIC

Total Assets

$112M

Total Deposits

$103M

Net Loans

$80M

Net Income

$472K

ROA

1.67%

ROE

21.58%

Risk-Based Capital

12.90%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$100M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating 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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