🏦Bank Scorer

HOOSIER HEARTLAND STATE BANK

CRAWFORDSVILLE, IN · Supervised by FDIC

Est. 1899FDIC #15,566RSSD: FDIC-15566
Part ofHOOSIER HEARTLAND ST BCORP EMPLOYEE STK OWNERSHIP&SVG PLAN TR→ View all charters
Satisfactory Same

Current rating · Exam: June 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.13%

Institution Profile

FDIC BankFind

Address

1661 S Us Highway 231, CRAWFORDSVILLE, IN

County

Montgomery County

Established

December 1, 1899

Total Assets

$351M(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

June 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$351M

Total Deposits

$318M

Net Loans

$259M

Net Income

$990K

ROA

1.13%

ROE

16.12%

Risk-Based Capital

11.48%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate6.93%Peer avg: 7.63%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$306M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202310175.25%6.93%
202213069.23%13.85%
202130675.82%15.03%
202040075.25%10.75%
201914273.24%11.97%
201812464.52%17.74%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2012

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/b06d2413-91c5-4233-a4e0-dc0736375da3"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: