This institution is no longer active

Operations ceased on March 8, 1996. CRA examination history below reflects the period it was active.

LEXINGTON STATE BANK AND TRUST CO.

LEXINGTON, NE · Supervised by FDIC

Est. 1886FDIC #12,744RSSD: FDIC-12744

Part ofLEXINGTON ST B&T TR DEPARTMENT→ View all charters

Outstanding Same

Current rating · Exam: July 1994

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.03%

Is this bank safe?

LEXINGTON STATE BANK AND TRUST CO. earned an Outstanding CRA rating (1994), is financially strong (ROA +1.03%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

7th And Lincoln Streets, LEXINGTON, NE

County

Dawson County

Established

January 1, 1886

Total Assets

$111M(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, 1994

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 1995Call Report / FDIC

Total Assets

$111M

Total Deposits

$97M

Net Loans

$63M

Net Income

$1M

ROA

1.03%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.20%

Risk-Based Capital

14.28%

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).

ROA1.03%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.28%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 1994	Outstanding	Not Reported
May 1992	Outstanding	Not Reported
Sep 1990	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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