This institution is no longer active

Operations ceased on February 24, 2001. CRA examination history below reflects the period it was active.

IOLA BANK AND TRUST COMPANY

IOLA, KS · Supervised by FDIC

Est. 1903FDIC #14,682RSSD: FDIC-14682

Part ofTEAM FINL EMP STK OWNERSHIP PLAN→ View all charters

Outstanding Same

Current rating · Exam: July 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

Adequate

ROA 0.97%

Is this bank safe?

IOLA BANK AND TRUST COMPANY earned an Outstanding CRA rating (1998), meets basic financial requirements (ROA +0.97%).

Institution Profile

FDIC BankFind

Address

119 East Madison Street, IOLA, KS

County

Allen County

Established

April 1, 1903

Total Assets

$86M(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

July 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 2000Call Report / FDIC

Total Assets

$86M

Total Deposits

$72M

Net Loans

$45M

Net Income

$839K

ROA

0.97%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.46%

Risk-Based Capital

14.72%

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).

ROA0.97%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.72%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 1998	Outstanding	Small Bank
Sep 1995	Outstanding	Not Reported
Jul 1993	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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