This institution is no longer active

Operations ceased on November 1, 2003. CRA examination history below reflects the period it was active.

FIRST STATE BANK OF SINAI

SINAI, SD · Supervised by FDIC

Est. 1907FDIC #498RSSD: FDIC-498

Outstanding Same

Current rating · Exam: October 1998

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.25%

Institution Profile

FDIC BankFind

Address

Main Street, SINAI, SD

County

Brookings County

Established

January 1, 1907

Total Assets

$20M(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

October 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 Q3 2003Call Report / FDIC

Total Assets

$20M

Total Deposits

$15M

Net Loans

$17M

Net Income

$173K

ROA

1.25%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.36%

Risk-Based Capital

19.77%

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).

ROA1.25%Peer avg: 0.44%▲ Above avg

Risk-Based Capital19.77%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
Oct 1998	Outstanding	Small Bank
Feb 1996	Outstanding	Not Reported
Feb 1994	Outstanding	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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