This institution is no longer active

Operations ceased on August 8, 2000. CRA examination history below reflects the period it was active.

IOWA STATE BANK

HAMBURG, IA · Supervised by FDIC

Est. 1923FDIC #22,011RSSD: FDIC-22011

Part ofHAMBURG FINANCIAL INC→ View all charters

Outstanding Up

Current rating · Exam: April 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 0.04%

Is this bank safe?

IOWA STATE BANK earned an Outstanding CRA rating (1998), meets basic financial requirements (ROA +0.04%).

Institution Profile

FDIC BankFind

Address

1020 Main Street, HAMBURG, IA

County

Fremont County

Established

February 1, 1923

Total Assets

$35M(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

April 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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 2000Call Report / FDIC

Total Assets

$35M

Total Deposits

$31M

Net Loans

$27M

Net Income

$7K

ROA

0.04%

Below avg for Small banks. Peer avg: 0.44%

ROE

0.38%

Risk-Based Capital

14.53%

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).

ROA0.04%Peer avg: 0.44%▼ Below avg

Risk-Based Capital14.53%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate5.36%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	56	87.5%	5.36%
2020	816	93.87%	2.45%
2019	578	89.27%	3.63%
2018	431	85.61%	4.18%

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 1998	Outstanding	Small Bank
Jun 1995	Satisfactory	Not Reported
Aug 1993	Satisfactory	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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