This institution is no longer active

Operations ceased on January 1, 1999. CRA examination history below reflects the period it was active.

FIRST BANK AND TRUST COMPANY

ROCK RAPIDS, IA · Supervised by FDIC

Est. 1932FDIC #15,425RSSD: FDIC-15425

Part ofROCK RIVERS BCORP→ View all charters

Outstanding Same

Current rating · Exam: September 1998

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.01%

Institution Profile

FDIC BankFind

Address

301 First Avenue, ROCK RAPIDS, IA

County

Lyon County

Established

January 16, 1932

Total Assets

$63M(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

September 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)

Financial Snapshot

As of Q4 1998Call Report / FDIC

Total Assets

$63M

Total Deposits

$56M

Net Loans

$42M

Net Income

$601K

ROA

1.01%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.62%

Risk-Based Capital

11.29%

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).

ROA1.01%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.29%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 1998	Outstanding	Small Bank
Jan 1996	Outstanding	Not Reported
Jun 1994	Satisfactory	Not Reported

1 previous rating 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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