This institution is no longer active

Operations ceased on September 30, 2014. CRA examination history below reflects the period it was active.

GREAT AMERICAN BANK

DE SOTO, KS · Supervised by FDIC

Est. 1901FDIC #10,908RSSD: FDIC-10908

Part ofFIRST FINANCIAL BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.08%

Is this bank safe?

GREAT AMERICAN BANK holds a Satisfactory CRA rating (2012), is financially strong (ROA +2.08%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

33050 West 83rd Street, DE SOTO, KS

County

Johnson County

Established

January 15, 1901

Total Assets

$78M(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

February 1, 2012

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 14 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 Q2 2014Call Report / FDIC

Total Assets

$78M

Total Deposits

$60M

Net Loans

$59M

Net Income

$802K

ROA

2.08%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.23%

Risk-Based Capital

14.77%

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).

ROA2.08%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.77%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate1.70%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	176	94.32%	1.70%
2020	212	91.51%	2.83%
2019	172	90.7%	1.16%
2018	187	91.98%	1.60%

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
Feb 2012	Satisfactory	Small Bank
Sep 2001	Satisfactory	Small Bank
Nov 1996	Satisfactory	Small Bank

2 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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