This institution is no longer active

Operations ceased on February 26, 2022. CRA examination history below reflects the period it was active.

FORTUNEBANK

ARNOLD, MO · Supervised by FDIC

Est. 2005FDIC #58,107RSSD: FDIC-58107

Part ofFORTUNE FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: April 2016

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.44%

Is this bank safe?

FORTUNEBANK holds a Satisfactory CRA rating (2016), is financially strong (ROA +1.44%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

3494 Jeffco Boulevard, ARNOLD, MO

County

Jefferson County

Established

December 1, 2005

Total Assets

$261M(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

April 1, 2016

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 10 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 2021Call Report / FDIC

Total Assets

$261M

Total Deposits

$224M

Net Loans

$200M

Net Income

$4M

ROA

1.44%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.36%

Risk-Based Capital

11.87%

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).

ROA1.44%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.87%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate2.50%Peer avg: 6.90%▼ Fewer than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2021	80	61.25%	2.50%
2020	855	73.1%	5.73%
2019	570	77.72%	4.91%
2018	296	72.97%	9.12%

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
Apr 2016	Satisfactory	Small Bank
Aug 2011	Satisfactory	Small Bank
Jan 2008	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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